Asset-based construction financing for projects that can’t wait.
A hard money loan for builders is short-term, asset-based financing used to fund construction projects when traditional banks won’t. Instead of long underwriting timelines and rigid requirements, hard money lenders approve loans based on property value, project potential, and exit strategy.
These loans are ideal for builders and developers who need to close quickly, finance unconventional projects, or cover situations where banks say “no.” With terms ranging from 6 to 24 months, hard money provides the capital to break ground, complete construction, and refinance or sell when the project is done.
Nelson Funding connects builders to reputable hard money lenders nationwide — helping projects move forward when timing and flexibility are critical.
Not every project can wait for traditional financing. Common scenarios where commercial bridge loans make sense include:
Builder in Orlando, FL
Ground-up construction of a 10-unit townhouse development
Bank required 30% cash equity and at least three presales. The builder had no presales and limited cash, but owned the land. The seller of materials also required deposits quickly.
Nelson Funding secured a $6M hard money construction loan with 80% LTC and a 12-month term. The lender focused on the property’s value and the builder’s exit strategy (sell units upon completion). The project closed in 15 days, allowing construction to begin on time.
👉 This deal shows how hard money keeps builders competitive even when banks hesitate.
Builders and developers rely on Nelson Funding for hard money loans because we:
“When banks stall, hard money keeps projects moving. Nelson Funding makes the connection.”
Yes. Rates typically range from 9–12% with origination points. Borrowers pay more for speed and flexibility.
Nelson Funding has closed builder loans in as little as 10–14 days. Typical timelines are under 3 weeks.
No. Hard money lenders often finance spec projects without presales.
Single-family spec homes, townhomes, multifamily, mixed-use developments, and small commercial projects.
Most borrowers sell units or refinance into permanent financing at lower rates.
When banks won’t fund your project, hard money lenders step in. Nelson Funding connects builders with trusted hard money lenders nationwide who move fast, fund tough projects, and provide the flexibility you need to break ground.
