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Hard Money Lending

Capital that moves at the speed of construction. Asset-based loans for builders, developers, and investors who can't afford to wait on a bank.

Fast Closings Builder-Friendly Draws Deal-First Underwriting
Loan Programs

Financing Built for the Job Site

Every loan is structured individually around the asset, the plan, and your exit. Here's where we play.

New Construction

Ground-up financing for spec homes and small developments — with draw schedules designed by people who build.

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Fix & Flip / Rehab

Acquisition plus rehab budget in one fast close. Purchase, renovate, and exit on a timeline banks can't match.

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Bridge Loans

Short-term capital to seize opportunities, refinance out of a bind, or carry a project to its next phase.

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The REA Difference

Underwritten by Builders, Not Bureaucrats

Traditional lenders see risk. We see scope, comps, and exit — because our construction wing walks the same sites you do. That's why our answers come in days and our draws never leave a crew standing around.

  • Asset-based decisions — the deal leads, paperwork follows.
  • Transparent terms up front. No committee limbo, no surprise fees at the table.
  • Construction-savvy draw management keeps your project liquid.
  • Optional construction management from our own wing to protect the budget.
PLAN A-101 · REA-USA FUND · MANAGE · BUILD
Questions

Hard Money, Straight Answers

How fast can you close?

Once we have your property details and scope, we issue terms quickly and can close in days — not the weeks or months a conventional lender needs. Speed depends on title, insurance, and how fast you can move too.

What do you lend on?

Residential and small-commercial investment real estate: ground-up construction, fix & flip and rehab projects, and short-term bridge scenarios in and around our Detroit and Atlanta markets and beyond. We do not lend on owner-occupied primary residences.

What are your rates and terms?

Every deal is structured individually around the asset, leverage, and exit strategy. Submit a loan inquiry and we'll respond with real numbers for your specific project — no bait-and-switch teaser rates.

Do I need perfect credit?

No. Hard money is asset-based: the property, your plan, and your experience matter most. Credit is a factor, not a gatekeeper.

Do you only offer hard money?

Hard money is our specialty, but we're consultants first. For the right projects we also help clients structure traditional bank financing and private equity — often blending sources to maximize return while minimizing risk.

Can you also manage or build my project?

Yes — that's the point of REA. Our construction management wing can oversee your contractor, or our construction company can build it outright. Financing, oversight, and construction under one roof.

Ready to Build Something Powerful?

Tell us about your project. Our team structures financing and construction plans that close fast and build right.

Start Your Loan Inquiry