Hard Money, Funded Fast. No Bullshit.
- Commitment letters in 24 hours - not weeks
- Direct Lender. You talk to the decision maker.
- No Appraisal Required
- Fast Flip Funding
No application fee · No obligation · Same-day response
How Funding Works
We don't do committees, and we don't do red tape. Our process is built to replicate the speed of a cash offer, giving you the ability to win more deals. From initial submission to a funded wire, we make funding fast, flexible, and reliable.
Submit
Tell me the address, purchase price, rehab budget, and your exit plan. Takes two minutes. No upfront fees. No commitment.
- Takes less than a minute
- Asset-based, common-sense review
- Your deal, your exit strategy — evaluated on merit
Review
We review numbers, risk, and structure terms that make sense.
- Deal Structuring
- Talk to Decision Maker
- Common Sense Underwriting
Close
Clear terms. Fast docs. Reliable execution.
- 24 Hour Funding
- Clear, Final Conditions
- Reliable Closing
Fast Response. No Obligation. No Nonsense.
Capital Structured Around Your Strategy.
Pick the program that fits your deal. Click any loan type for full rates, terms, and details.
Fix & Flip
Acquisition + renovation in one loan, with draws that keep your project moving.
- 10%
- Rates From
- Up to 90%
- Purchase
- 24 hrs
- Close In
Rental
Long-term DSCR financing that qualifies on the property, not your paycheck.
- 30 yr
- Terms
- Up to 80%
- LTV
- 1.0
- DSCR From
Construction
Ground-up financing covering land plus build, released on milestones.
- 11–14%
- Rates
- Up to 90%
- Cost
- 12–24 mo
- Terms
Bridge
Short-term capital for properties in transition — close in as little as 24 hours.
- Up to 75%
- LTV
- 24 hrs
- Close In
- 6–24 mo
- Terms
DSCR
If It's Real Estate, Henry Funds It.
Single-family flips to value-add apartment complexes, storefronts to warehouses — I underwrite the asset, not your tax returns. Pick a property type to see programs and details.
Commercial
Retail, office, warehouse, and small commercial — asset-based capital that moves.
ExploreMixed Use
Retail-over-residential and live/work buildings that banks overcomplicate.
ExploreMulti-Family
Apartment buildings and 5+ unit properties — value-add plays and cash-flowing portfolios.
ExploreSingle Family
Detached homes, townhomes, and condos — the bread and butter of every flip and rental portfolio.
Explore
East Coast Roots. Expanding Nationwide.
Stop letting traditional banks and hard money lenders with rigid guidelines stop you.
We fund deals across the East Coast with asset-based underwriting and common-sense terms.
If the equity is there, the capital is here. Henry is the preferred capital partner for the most active investors from New York to Florida.
Mid-Atlantic
Fast Response. No Obligation. No Nonsense.
Tap a highlighted state to see local loan programs.
Funded Deals
Real investors. Real closings. These are actual deals Henry funded — the same speed and terms are waiting for your next one.
- Refi & Rehab
$4,460,000
Linthicum, MD
Commercial
- Bridge
$2,750,000
New Hope, PA
Single Family
Fix & Flip$2,260,210
New Hope, PA
Single Family
View case study- Fix & Flip
$2,205,000
New Hope, PA
Single Family
Frequently Asked Questions
If you have another question, you can email me at henry@hardmoneyhenry.com
I can close qualified fix-and-flip, new construction, and bridge loans as quickly as 24 hours.
To accomplish a 24 hour close, 3 things will need to be ready:
The reality is that most 24 hour loan closings take place during 'rescue loan' scenarios — when another lender had been working on it and dropped the ball.
When I am the first person to work a file, I prefer to rephrase the question to "how fast can I get a commitment letter?" The answer remains the same: I can issue a commitment letter as quickly as 24 hours so you can be prepared to close as soon as title and insurance are ready.
I am a direct, private lender not tied to institutional money. This gives me total control over the loans we choose to complete and keeps me free from rigid guidelines that many other 'private' lenders in this industry face.
If you've ever called countless lenders who all seem to tell you the same reason they can't do your deal, give me a call. It will be a breath of fresh air to deal with a lender who is truly private and practices common-sense.
Yes, I support new and experienced investors who want to invest in real estate. While experience helps, it is not a requirement to borrow.
Instead of only looking at experience, I look at the full story behind the deal by reviewing the property, scope of work, experience, credit history, assets, and income to make a decision.
No, I don't need an appraisal for every loan.
For most fix and flips, new construction, and bridge loans I don't need an appraisal to fund the loan. Instead of relying on a 3rd party appraisal, I review my own comps and make a funding decision accordingly.
In the event there are insufficient comps, a unique residential property, or commercial property, I may require an appraisal or third-party valuation to help structure a winning deal.
Put simply, instead of relying on rigid guidelines and criteria to fund a deal, I look at the deal as a whole and make loans accordingly.
I analyze the property details, scope of renovations, borrower credit, income, assets, and experience to make a loan. This helps borrowers who are frustrated by lenders who can't support their business because of arbitrary credit boxes and guidelines.
I lend on all property types including:
I practice common-sense underwriting when it comes to the property types I lend on. If you have a good deal, message me today for funding!
Let's Fund Your Next Deal
Got A Deal? Let's Talk.
Tell me about the property and I'll get you real terms — fast. Prefer to talk it through? Call or email me directly, any time.
Same-Day Answers
Send your deal and get terms back the same day — often within the hour.
Straight From Henry
You talk directly to the lender. No call centers, no loan-officer runaround.
Close In Days
Common-sense underwriting means funding measured in days, not weeks.