Hard Money

Diverse Capital

When it comes to investment opportunities, Diverse Capital knows how important it is to expedite the financing needed for your project. At Diverse Capital, we offer hard money loans for most property types. Unlike the grueling process of bank mortgages which can take upwards of forty-five days, Diverse Capital can approve your hard money loan and provide you with funds in an average closing time of just 7-14 days, Diverse Capital is here to quickly assist you every step of the way.

Given that our hard money loans are based on the value of an investment property rather than the borrower’s credit, we can fund deals for borrowers who are unable to get conventional financing due to a recent foreclosure, bad credit, or short sale. Even with tarnished credit, a borrower can obtain a hard money loan using the value of the investment property as collateral. This makes a hard money loan a great option for anyone from beginner investors with a limited credit history to experienced investors looking to free up liquidity and scale their business.

​ Diverse Capital funds hard money loans on single family, multi-family, mixed-use, and commercial - investment properties.  ​ The interest rates on an asset based hard money loan are usually higher than those of conventional mortgages. Interest rates for hard money loans range anywhere from 8%- 12%, and Diverse Capitals’ competitive loan programs offer qualified investors some of the best rates in the industry. Hard money lenders typically charge higher interest rates due to the greater risk associated with these loans, and the incredible speed in which they are able to process and fund transactions. Hard money loans are a very strong tool for investors who need to move quickly. These short term (usually 12 months) loans are the perfect opportunity to aid any investor in developing their success.

Why to use hard money?

Its Fast

It's Flexible


A true Hard Money Loan (is an asset-based loan, which means the financing is based on the Loan to Value (LTV) of the Asset. Unlike the Fix and Flip loan, it doesn’t go through full underwriting and there’s no minimum FICO requirement for the borrower, as it doesn’t have many guidelines ands.