Hard Money Lenders in Madison Metro

The Madison Metro area offers real estate investors access to private money loans for property purchases, refinances, and equity cash-outs. Loans are secured by property equity, typically requiring 30% equity or up to 75% LTV. Loan terms generally range from 3 to 24 months for flexible financing.

Capital Funding Financial

Capital Funding Financial is a direct nationwide private lender offering fast, simplified loans. Close in 3+ days with minimal documentation - no tax returns, credit score requirements, or appraisals for most deals. LOIs in 24hrs. Streamlined process without any red tape or drama.

Loan Size:
$250,000 to $250,000,000
Loan Terms:
6 months to 24 months

Rates:
9.50% - 12.50%
Fees:
1.75% - 2.50%

ZINC Financial

Since 2006, ZINC Financial has funded billions in private money loans through its own fund. As a true direct lender, we offer fix-and-flip, rehab-and-rent, bridge, and construction loans with up to 92.50% LTC. We handle all decisions in-house, welcome investors with 660+ FICO, and require no prepayment penalty on rehab and bridge loans.

Loan Size:
$100,000 to $2,500,000
Loan Terms:
1 months to 360 months

Rates:
8.99% to 11.99%
Fees:
0.50% to 2.0%

Gelt Financial

Gelt Financial, a South Florida direct portfolio lender since 1989, provides non-bank loans for real estate investors. With 10,000+ closed loans, we offer direct access to decision-makers for fast approvals without committees. As private lenders, we welcome complex deals and tackle any financing challenge.

Loan Size:
$50,000 - $2,000,000
Loan Terms:
6 months to 5 years

Rates:
12% +
Fees:
3%