Hard Money Lenders Missouri
Fast, reliable financing for real estate investors in Missouri. Loans for fix & flip, DSCR rentals, spec home construction, commercial, and asset-based deals.
- ✅ DSCR Loans – 1–4 unit residential rentals, 660+ credit score, $75k–$1M
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab financing
- ✅ Spec Home Construction – Ground-up residential builds, up to 85% LTC
- ✅ Asset-Based Loans – Residential & commercial properties, 50% LTV max
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use properties
- ✅ Close in as little as 7–20 Days
Serving key Missouri cities including Kansas City, St. Louis, Springfield, Columbia, Independence, Lee’s Summit, O’Fallon, St. Charles, Blue Springs, and Joplin.
Hard money lenders Missouri investors rely on for speed, flexibility, and certainty of closing. At HardMoneyMan.com, we provide asset-based real estate financing throughout Missouri for experienced and first-time investors alike. Our underwriting focuses primarily on the value and potential of the property — not tax returns, W-2s, or traditional bank guidelines.
Whether you are flipping a property in St. Louis, acquiring a rental in Kansas City, building a spec home in Springfield, or financing a commercial deal anywhere in the state, our team structures loans designed to move quickly. Most transactions close in 7–20 days depending on the project. Hard money lenders Missouri borrowers choose when timing matters and traditional lenders cannot move fast enough.
Missouri’s Trusted Hard Money Lender
With over 25,000 deals funded and $3.5 billion in loans closed, HardMoneyMan.com LLC is the leading choice for investors seeking hard money loans in Missouri. We specialize in fast closings, approvals in 24 hours, and same‑day draws to keep your projects moving.
Looking for asset based loans in Springfield MO? Click here to learn how we fund equity-driven deals with no income docs or credit score requirements.
Investment Loan Programs in Missouri
Missouri Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Terms Based on Credit & Flip Experience
Missouri DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in as little as 14 Days
Missouri Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for residential developers.
- 1–4 Unit Residential Projects
- Up to 85% Loan-to-Cost
- Interest-Only During Build
Missouri Asset-Based Hard Money Loans
Loans secured by property assets for residential and commercial investors needing fast, flexible financing.
- 1–4 Unit Residential
- 5+ Unit Residential
- Commercial: Retail, Office, Warehouse, Mixed-Use
- 50% Loan-to-Value Maximum
- Close in as little as 2 Weeks
- No Rural Properties
Missouri Commercial Hard Money Loans
Financing for commercial real estate investors across Missouri, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Our Missouri hard money lending covers St. Louis, Kansas City, Springfield, and Columbia. Investors looking beyond Missouri can explore our Texas, Tennessee, Mississippi, and Arkansas lending options.
Frequently Asked Questions
How fast can I close in Missouri?
Most loans close in 7–10 days, with approvals issued in 24 hours.
Do you offer fix and flip loans?
Yes. We provide short-term fix and flip loans with flexible draws and fast closings.
What equity is required for spec home loans?
Builders typically need 20–30% equity, with lot value often counting toward this requirement.
Do you finance rental properties?
Yes. DSCR loans qualify based on rental income, not personal income documentation.
Do you finance multifamily properties?
Yes. We provide loans for 5+ unit apartment buildings across Missouri.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, and industrial properties.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb or short-term rental income considered?
Yes. Documented short-term rental income can be used for DSCR qualification.
Ready to Fund Your Missouri Project?
Apply today and close in as little as 7 days with same‑day draws available.