Get the Financing You Need With Hard Money Lenders Philadelphia

As one of the go-to hard money lenders in Philadelphia PA, offers hard money loans in Philadelphia with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.


Our Loans are for Real Estate Investment Properties throughout Philadelphia and the surrounding areas.


Hard Money Lenders in Philadelphia Specializing in Real Estate Investment Properties

Submitting your application package is quick and easy.

American Association of private lenders member
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What are Hard Money Lenders Philadelphia? 

Hard Money Lenders Philadelphia are either private investors or companies that offer short-term loans secured by real estate. These loans are often used by real estate investors, developers, and property flippers. Unlike traditional bank loans, hard money loans in Philadelphia focus on the value of the property being used as collateral rather than only the borrower’s creditworthiness. Because of this, hard money loans can be arranged much more quickly—sometimes in as little as 10 business days—compared to the 30 to 50 days typically required by traditional banks. However, the trade-off is that hard money loans come with higher interest rates, often ranging between 10% and 18% as of May 2024. Despite the cost, borrowers who intend to pay off the loan quickly find hard money loans advantageous due to their speed and flexibility.

In summary, hard money lenders provide a valuable financing option for real estate professionals who need quick access to capital. While the higher interest rates may deter some borrowers, the speed and convenience of hard money loans make them a viable choice for those looking to invest in or renovate properties within a relatively short time frame.

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Located just 45 minutes outside of Philadelphia PA. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.


Watch this short video to see how Hard Money Lenders Philadelphia Can help your real estate investing business

Why us as your Hard Money Lenders Philadelphia? Experience Matters

Since 1998, we have been the #1 source as Hard Money Lenders Philadelphia. LLC has been the most reliable source of financing for real estate investors. We have a track record that speaks for itself:

  • The amount we’ve funded in real estate transactions has reached billions.
  • More than 26,000 loans funded for investors: More than 26,000 loans have helped investors achieve their goals.
  • We are more than just lenders; we are active real estate investors and landlords.

Our expertise in  is tailored to your needs

With 25+ years of experience, we know what investors need in a lending partner. No matter how experienced or how new to investing you are, we have something for you:

  • Whether you’re looking for a fix-and-flip loan or rental property financing, we have programs tailored to meet your needs.
  • Nationwide Reach: We’ve worked with thousands of real estate investors across 45 states and Washington D.C.
  • Hard Money Borrowers Ourselves: Having borrowed hard money in the past, we’ve tailored our programs to address investor pain points.

Authority and Trust

  • American Association of Private Lenders Member: Our commitment to industry standards and ethics is unwavering.
  • Straightforward Approach: While we’re an East Coast lender, we don’t beat around the bush. Expect candid advice—we shoot from the hip. Transparency is our hallmark.

At LLC, we’re not just lenders; we’re your partners in real estate success. Trust us to deliver the good, the bad, and the ugly—because that’s how we conduct business.

What is your process to get a Hard Money Loan in Philadelphia? 

  1. Send us your loan scenario with all details so we can price it out for you and let you know the maximum loan to value, interest rate and term.
  2. We will send you a complete breakdown of our hard money loan or DSCR loan offer. 
  3. If you accept our offer, we will send you our loan package to complete along with a list of documents that need to be submitted. 
  4. Once we receive the application package, the file will be entered into our portal and we will send you a docusign for credit/background check authorization as well as a link to pay for the appraisal. 
  5. Appraisals take 3 days for a rush and 5 days (business days) for a regular appraisal. 
  6. Once the appraisal is in, assuming the borrower has submitted all requested documents, the file will go into underwriting. Underwriting turn time is a few hours to 24 hours. 
  7. Once the file is approved to close, it will go to our attorney, who will reach out to the title company with closing instructions. 
  8. Fix and flip loans close in 7-8 days, ground up construction loans close in 8-10 days and 30-year DSCR rental loans close in 14 days or less. 


Can you provide an example of when someone might use a hard money lender in Philadelphia?

Here’s an example scenario where someone might use a hard money lender:

Imagine a real estate investor who comes across a distressed property at a great price. The investor believes that with some renovations, the property’s value will significantly increase. However, traditional banks take too long to process loans, and the investor risks losing the opportunity. In this situation, the investor could turn to a hard money lender. The lender would assess the property’s value, and if it meets their criteria, they would provide a short-term loan to purchase and renovate the property. Once the renovations are complete, the investor can either sell the property or refinance it with a traditional loan, paying off the hard money loan. This way, the investor leverages the speed and flexibility of hard money financing to seize a profitable opportunity.

Private Hard Money Lenders Philadelphia PA, LLC began lending on investment properties to real estate investors in Philadelphia in 1998. We have made over 3,000 loans in Philadelphia Pennsylvania since our inception and we pride ourselves on being second to none on knowing our real estate market, in customer service, transparency and terms when it comes to hard money loans. We make loans in all of Philadelphia. Our niche are fix and flip loans in Philadelphia, ground up spec construction as well as 5+ unit residential loans. We also lend to local builders that are putting up new housing.

Being rehabbers ourselves, this is a huge benefit to our borrowers as we know what challenges many borrowers run into when dealing with lenders and we try to make sure those are avoided at all costs. There are unique opportunities and challenges in Philadelphia and its investors are taking advantage and dealing with them of them every day.

What do Hard Money Lenders Philadelphia offer for Real Estate Investors?

Hard money lenders Philadelphia provide financing options tailored to the needs of real estate investors. These lenders specialize in short-term loans secured by real estate, making them ideal for various investment scenarios:

  1. Fix and Flip Loans:
    • Designed for investors purchasing distressed properties to renovate and resell.
    • Competitive rates and flexible terms.
    • Funding for property acquisition and renovation costs.
  2. New Construction Loans:
    • Ideal for ground-up construction projects.
    • Short-term financing to cover construction expenses.
    • Based on the property’s value after completion.
  3. Bridge Loans:
    • Bridge the gap between property acquisition and long-term financing.
    • Quick approvals and fast funding.
    • Useful for investors transitioning between properties.
  4. Rental Property Loans:
    • Financing for purchasing or refinancing rental properties.
    • Options for single-family homes, multi-unit properties, and apartment buildings.


What loan programs does LLC offer as Hard Money Lenders Philadelphia? LLC, a reputable hard money lender based in New Jersey, offers a range of loan programs tailored to real estate investors in Philadelphia:

  1. Fix and Flip Loans:
    • Loan Term: 12-24 months
    • Loan Amount: $100,000 to $3 million
    • Loan-to-Value (LTV):
      • Up to 75% of the initial advance
      • Up to 90% total loan-to-cost (LTC) based on the purchase price
    • Rates: Start at 7.99% to 12%
    • Qualification Requirement: Must have 2 or more new build and sale in the last 36 months to qualify
  2. Construction Loans:
    • Ideal for Ground-Up Projects:
      • Financing for new construction and development.
      • Short-term loans to cover construction expenses.
    • Flexible Terms:
      • Based on the property’s value after completion.
      • Quick approvals and efficient funding.
  3. Rental Property Loans:
    • Loan Types: 5/1 ARM, 7/1 ARM, 10/1 ARM, 30-Year Fixed
    • Loan Amount: $50,000 to $2 million
    • Loan-to-Value (LTV):
      • Up to 80% on purchases
      • Up to 75% on refinances
    • Credit Requirement: 660 mid-credit or better
    • Interest-Only Options Available LLC’s expertise and commitment to real estate investors make them a trusted choice for financing in Philadelphia. 

Philadelphia Fix and Flip Loans

Wisconsin-Construction-Loans-HardMoneyMan (1)

Philadelphia Construction Loans

Philadelphia Rental Loans

Philadelphia Multi Family Loans

How can hard money lenders Philadelphia help me further my real estate investing career?

Hard money lenders play a crucial role in advancing your real estate investing career. Here’s how they can help:

  1. Quick Financing: When you spot an excellent investment opportunity, hard money lenders provide rapid access to capital. Unlike traditional banks, which may take weeks to approve a loan, hard money lenders can fund your project within days. This speed allows you to seize time-sensitive deals and beat competitors.
  2. Flexibility: Hard money loans are asset-based, meaning they focus on the property’s value rather than your credit score. This flexibility enables you to secure financing even if your credit history isn’t perfect. As you build your real estate portfolio, hard money lenders become valuable partners, supporting your growth and diversification.


What areas in Philadelphia should I invest in as a Real Estate Investor?

As a real estate investor, you’ll find several promising neighborhoods in Philadelphia. Let’s explore some of the top areas for real estate investments in 2024:

  1. Fishtown: Situated along the Delaware River, Fishtown has become a magnet for the city’s young and artistic demographic. With a steady increase in home prices over the past few years, Fishtown is an attractive option for real estate investors.
  2. Brewerytown: Located in North Philadelphia along the Schuylkill River, Brewerytown has garnered attention from investors. Former breweries have been transformed into modern housing, providing residents with proximity to Center City at relatively lower prices.
  3. Olde Kensington: Nestled between Fishtown and Northern Liberties, Olde Kensington has undergone significant revitalization, attracting millennial renters and homebuyers.

Remember to conduct thorough research and consider factors like property values, rental demand, and development projects when making your investment decisions

Shaun Dozier
Shaun Dozier
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
The experience my husband’s and my company (Kingdom Realty, LLC) had with, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
Great company great experience
Joe Matthews
Joe Matthews
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

Philadelphia Hard Money Lenders – Why Choose Us?


We're in the Business

We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit. 


We're a Direct Lender

We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.


We're Fast and Efficient

We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re the most efficient hard money lender in Philadelphia.


We're Investor Focused

We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return. 

Philadelphia Hard Money Real Estate Market

Foreclosure Rates for Philadelphia PA

Investors who want to find deals from foreclosure properties can consider these statistics to understand the Philadelphia real estate market for pre-foreclosures, auctions, and bank-owned properties.

As one of the top hard money lenders in Philadelphia, we work with investors every day who are looking for foreclosure opportunitites. 

Sale Prices in Philadelphia PA

Real estate sales in Philadelphia still support an active fix/flip market. You want to closely monitor your average days on the market because when you are flipping properties, this is the best indicator of how long it will take you to sell once the property is completed.

As one of the top hard money lenders in Philadelphia, we work with investors every day who are looking for flip/rehab opportunities in Philadelphia.

Get Approved For A Hard Money Loan in Philadelphia

Simple and Fast Application Process