The #1 Rated Hard Money Lenders Pennsylvania since 1998 – HardMoneyMan.com LLC
As one of the go-to hard money lenders Pennsylvania, HardMoneyMan.com offers hard money loans in PA with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
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Pennsylvania Hard Money Loans – Fast Closings in 7–10 Days
Serving Pennsylvania with fast, reliable financing for fix & flip,
rental, DSCR, multifamily, commercial, and asset-based real estate loans.
Hard Money Lenders Pennsylvania for Real Estate Investors
Fast, hard money loans for fix and flip, rental, construction, asset-based programs and commercial real estate investors across Pennsylvania. Close in days — not months — with flexible terms designed for competitive PA markets.
Pennsylvania offers some of the most diverse real estate investment opportunities on the East Coast — from fix and flip projects in Philadelphia, to rental portfolios in Pittsburgh, to value-add properties throughout Central PA.
As experienced Pennsylvania hard money lenders, we provide fast, flexible financing for real estate investors who need certainty of execution. Our asset-based loans are property-based, not credit-driven, allowing investors to move quickly on opportunities banks can’t handle. Fix and Flip, Spec Construction, DSCR are not asset based programs.
Whether you’re purchasing, renovating, refinancing, or building, our Pennsylvania hard money loan programs are built to support real-world investor strategies.
We Lend in:
Philadelphia, Pittsburg, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Levittown, Harrisburg and all cities in Pennsylvania
How Hard Money Loans Work in Pennsylvania
Hard money loans in Pennsylvania are short-term loans secured by real estate. Approval is primarily based on the property value, deal structure, and exit strategy, rather than personal income or tax returns.
Unlike banks, hard money lenders can:
Close in as little as 7–10 days
Fund distressed or non-owner-occupied properties
Lend to LLCs and business entities
Base loan amounts on after-repair value (ARV)
This makes hard money ideal for competitive Pennsylvania markets where speed and certainty matter.
Fix and Flip Loans in Pennsylvania
Our fix and flip loans are designed for investors purchasing undervalued or distressed properties and renovating them for resale.
Key features:
Up to 90% of purchase price
Up to 100% of rehab costs
Interest-only payments
12-month terms
Draws released as work is completed
These loans are commonly used in markets like Philadelphia, Pittsburgh, Allentown, and Harrisburg, where renovation opportunities remain strong.
Ground-Up Construction Loans
We offer construction financing for residential and small multifamily projects across Pennsylvania.
Typical uses include:
New residential builds
Small multifamily construction (max 4 units)
Teardown and rebuilds.
Loan amounts are based on completed value, with funds released in structured draws.
Asset-Based Hard Money Loans – No Income Docs or Credit Score
We fund deals based on equity—not paperwork. No income verification. No FICO. Just fast closings.
- Residential, commercial, mixed-use, and 5+ unit buildings
- Available statewide with no credit or income requirements
- Perfect for investors with recent mortgage lates or bankruptcy
DSCR Rental Loans (Pennsylvania)
Debt Service Coverage Ratio (DSCR) loans are ideal for investors building or refinancing rental portfolios across Pennsylvania.
Highlights:
Qualification based on rental income
No tax returns required
Long-term, fixed-rate options available
Ideal for single-family and small multifamily rentals (4 units max)
DSCR loans work especially well in stable rental markets throughout suburban and secondary Pennsylvania cities (not for rural areas).
Commercial Hard Money Loans in Pennsylvania
We offer fast, flexible funding for commercial real estate projects across the state. Whether you’re acquiring, refinancing, or repositioning a property, our commercial hard money loans deliver speed and certainty.
- Retail, office, warehouse, and mixed-use properties
- Short-term bridge and repositioning loans
- Fast closings with minimal documentation
- Available statewide
Hard Money Loans for 5+ Unit Apartment Buildings
We fund multifamily properties with five or more units, including walk-ups, garden-style, and mid-rise buildings. Perfect for value-add, repositioning, or refinance scenarios.
- Funding available for acquisitions and cash-out refis
- Flexible terms based on equity and property value
- Eligible in urban and suburban markets across PA
Mixed-Use Hard Money Loans in Pennsylvania
We specialize in funding mixed-use properties that combine residential and commercial space. Whether you’re renovating or refinancing, we offer fast approvals and flexible terms.
- Retail + residential combinations
- Available for purchase, rehab, or refinance
- No income verification for asset-based deals
- Statewide coverage
PA Case Study: $240K Flip in Harrisburg
Funded in 7 days. Investor purchased a distressed duplex, renovated with $60K in draws, and sold for $390K.
We Fund Deals Across Pennsylvania
- Philadelphia
- Pittsburgh
- Allentown
- Erie
- Scranton
Need funding in your city? Apply now and get pre-approved in 30 minutes.
Why Investors Choose Us in Pennsylvania (EEAT)
Pennsylvania investors work with us because we understand the realities of local markets.
Asset-based underwriting at 50% LTV available for turnkey properties.
Transparent loan terms
No unnecessary bank overlays
Experience funding deals across multiple PA markets
Direct lender — no broker delays
Our focus is on deal viability, not box-checking.
Pennsylvania Case Study (EEAT Signal)
Fix & Flip – Philadelphia, PA
Purchase Price: $310,000
Rehab Budget: $85,000
ARV: $520,000
Loan Type: Fix & Flip
Closing Time: 9 days
The investor secured funding quickly, completed renovations, and exited profitably without bank delays.
Pennsylvania Fix and Flip Loans
Pennsylvania Construction Loans
Pennsylvania Rental Loans
Pennsylvania Multi Family Loans
Asset Based Loans in Pennsylvania
Commercial Hard Money Loans in Pennsylvania
Regional Lending for Pennsylvania Investors
Investors operating across the Northeast often expand into nearby markets. Many Pennsylvania borrowers also invest in neighboring states such as New Jersey, New York, Maryland, and Ohio, allowing portfolios to scale across regional markets with similar demand and price dynamics.
Frequently Asked Questions About Hard Money Loans in Pennsylvania
How do hard money loans work in Pennsylvania?
Hard money loans in Pennsylvania are short-term, asset-based loans used by real estate investors to purchase, renovate, or refinance investment properties. Approval is based primarily on the property value and deal structure rather than personal income or tax returns.
How fast can a hard money loan close in Pennsylvania?
Most Pennsylvania hard money loans can close in 7–10 business days. In competitive markets like Philadelphia, Pittsburgh, and surrounding counties, approvals are often issued within 24 hours.
What types of properties qualify for hard money loans in PA?
Eligible properties in Pennsylvania include single-family homes, 1–4 unit residential properties, mixed-use buildings, small multifamily properties, and select commercial assets located in investor-friendly markets.
Do hard money lenders in Pennsylvania require good credit?
No. Pennsylvania hard money loans are asset-based, meaning credit score is not the primary approval factor. Lenders focus on property value, loan-to-value, exit strategy, and overall deal strength.
How much can I borrow with a Pennsylvania hard money loan?
Loan amounts in Pennsylvania typically reach up to 90% of the purchase price and up to 100% of renovation costs, depending on the property, market, and experience level of the borrower.
Are hard money loans legal in Pennsylvania?
Yes. Hard money lending is legal in Pennsylvania and commonly used by real estate investors for fix and flip projects, bridge financing, and time-sensitive acquisitions.
Can hard money loans be used for properties owned by an LLC?
Yes. Most Pennsylvania hard money loans are closed in LLCs or other business entities, which is standard practice for real estate investors.
What are typical loan terms for hard money loans in Pennsylvania?
Typical Pennsylvania hard money loan terms range from 6 to 18 months with interest-only payments. Extensions may be available depending on project progress and lender guidelines.
Which Pennsylvania markets are best suited for hard money financing?
Hard money loans are commonly used in Philadelphia, Pittsburgh, Allentown, Reading, Harrisburg, Scranton, and surrounding counties where investor activity and resale demand are strong.
When is a hard money loan not a good fit in Pennsylvania?
Hard money loans are not intended for primary residences or long-term owner-occupied financing. They are best suited for short-term investment strategies with a clear exit plan.