Fund Your Florida Deal Today
Fast Response. No Obligation. No Nonsense.
Many private and hard money lenders claim they can offer speed, and advertise 7-14 day closing timelines, but frequently fail to deliver.
Hard Money Henry's claim to fame is speed- and the only true 24-hour close in the industry.
Whether you need to compete with a cash-offer, pick up the pieces of a deal when another lender failed to deliver, or just want a lender who speaks your language, Hard Money Henry is the premier lender for Florida's real estate investors.
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24 Hour Closing: If title is clear, and the numbers make sense, the money is ready.
No Appraisal Required: I know real estate. I trust my own eyes and your exit plan more than an appraisal report.
Direct Funding: You aren't waiting on a "funding department" or "committee" to review. When we say go, it's a go.
We're not just lenders , we're your trusted business partners in the Florida real estate market.
Unlike lots of other private lenders stuck with institutional money or too rigid rules, Hard Money Henry calls the shots on our loans - no committees to go through, no pointless delays & no cookie-cutter formula to follow.
We use common-sense underwriting that looks at the whole deal - property details, renovation plans, the borrower's track record and exit strategy.
No Rigid Guidelines: I don't have guidelines, I have rules-of-thumb. I don't turn down deals because of arbitrary rules. I find a way around it.
No Corporate Hurdles: I don't need a committee to review a deal. I am the committee.
Creative Deal Structuring: I look at the whole picture, not boxes. I work with my borrowers to find a deal that works for everyone so you can actually close.
Florida's real estate market demands you can rely on people & that's exactly what our hard money loans give you - reliability.
With a solid track record of consistently getting deals done, well give you the confidence to pursue projects without worrying about getting caught by unexpected delays.
When you can rely on us to come through, you can focus on what really matters : growing your investment portfolio in the Sunshine State.
No Last Minute Changes: I don't change terms at the last minute. The deal we approve on Day 1 is the deal we fund on Day 2
Unshakable Liquidity: I don't have to wait for a warehouse line or Wall Street fund wire. My cash is ready when you are.
Clear Conditions: I give you clearly worded, easy to understand conditions. No moving goalposts. No last minute docs.
get funded Today
Fast Response. No Obligation. No Nonsense.
Florida is one of the most active real estate investment markets in the country, but it comes with its own challenges. From insurance costs, storm risk, shifting guidelines, and lenders who hesitate when deals get even slightly complex. We’ve stripped out the red tape. Whether you’re flipping in South Florida, building on the Gulf Coast, or buying rentals in Central Florida, we focus on the deal, the numbers, and getting you to the closing table—fast.
Share property basics and your exit plan.
Takes less than a minute
Asset-Based Review
Strategy & Exit Basics
We review numbers, risk, and structure terms that make sense.
Deal Structuring
Direct to Decision Maker
Common Sense Underwriting
Clear terms. Fast Docs. Reliable Execution
24 Hour Funding
Clear, Final Conditions
Reliable Closing
get funded Today
Fast Response. No Obligation. No Nonsense.
I dont just lend all over Florida - I get what really makes deals tick in this state. From high-speed flip projects in Miami and Tampa where we're talking about serious renovation work to new construction homes in Orlando and Jacksonville where people are just looking for a place to live, I'm actively funding investment properties all over the state.
Real estate investors need a private lender who can grow with their business. Whether you are only investing in one state, or actively investing in many, Hard Money Henry can support your growth with funding 24-Hour closings on the East Coast!
get terms on your deal
Fast Response. No Obligation. No Nonsense.
Single Family
Commercial
Single Family
Single Family
If you have another question, you can email me at henry@hardmoneyhenry.com
We can close qualified loans in as little as 24 hours, provided title is clear, loan conditions are met, and insurance is bound. While some factors like title and insurance are outside our control, we can issue commitment letters quickly so you’re prepared to close as soon as everything is ready.
We are a direct private lender, not a broker. This means we have full control over our loans and can make fast, flexible decisions without being tied to institutional guidelines.
Yes! We support new and experienced investors alike. While experience helps, it’s not required. We consider the full story behind your deal, including property details, renovation plans, credit, assets, and income.
No. For most fix-and-flip, new construction, and bridge loans, we rely on our own market knowledge and comps instead of third-party appraisals, which speeds up funding. In unique cases or certain commercial deals, we may require an appraisal.
Common-sense underwriting at Hard Money Henry means evaluating your loan application based on the overall strength of your deal rather than rigid checklists or strict credit score requirements. We focus on key factors like the property's value, your renovation plans, borrower experience, and a clear exit strategy.
This flexible approach allows us to make fast, practical lending decisions tailored to your unique investment, helping you close deals quickly without unnecessary hurdles.
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!