Hard Money

Business Loans, Financing, and Lines of Credit up to $5 Million

Loan Overview

Hard money loans are known as a “last resort” or a short-term bridge loan, and they are backed by the value of the property instead of the credit score of the business. Hard money loans have a much lower loan-to-value (LTV) ratio than a traditional loan.

Sutton Funding


Hard money loans are usually sought out by property flippers whose plan is to renovate and sell real estate. This type of loan is appealing because the loan will often be paid off within one year, which is the usual time it takes property owners to resell their real estate.


The approval process for a hard money loan is generally quicker than that of a traditional loan because investors will look towards the value of the property used as collateral rather than the typical documents.


  • Driver's License
  • Voided Business Check
  • Bank Statements
  • Balance Sheet
  • Profit & Loss Statement
  • Business Tax Returns
  • Personal Tax Returns
  • Business Plan
  • Business Debt Schedule

01. Pros

  • Low LTV Ratio
  • Perfect For Real Estate Investors
  • Competitive Interest Rates
  • Quick Approval Process

02. Cons

  • Short Repayment Plans
  • May Require Collateral

Sutton Funding Provides Small Business Loans, Financing, & Lines of Credit.

Hard money loans are easy to qualify for since they look at the collateral instead of credit scores, this also makes the application process extremely easy and funding is immediately available.

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