Hard Money, Made Easy.
Private Financing Solutions for Real Estate Professionals

Our unique approach connects investors and lenders - taking the confusion out of private lending.

Hard Money Loans for Real estate Investors

HM Capital connects real estate professional and hard money lenders – providing real estate investors creative capital solutions. We offer hard money financing on any type of commercial real estate deal, competitive rates for any kind of fix and flip hard money loans projects, and more.  Our team has extensive real estate experience to guide you through the private lending process, whether you are a first timer or a full time pro. Private money is the perfect tool for investors that need quick financing in a matter of days – not months or weeks. Our underwriters use asset based guidelines to evaluate your request – so applicants with bad credit won’t be turned down. We are ready to assist you with any real estate request: multifamily investment, residential, fix and flip, or retail properties. 

Flexible Underwriting

We work with any type of commercial real estate and fix and flip projects – up to 90% LTV

Asset-based Lending

Less paperwork to get approved means faster closing and more flexibility

Help When you Need It

Still want someone to walk you through? Have any questions about hard money? Contact our specialists

Our Mission

We believe hard money loans will change the lending game just like the sharing economy changed transportation. Private lenders and real estate investors, without the restrictions of traditional banks, can lead the next big revolution in real estate finance. Through hard money lending, you can find a financial partner who shares your vision of success, especially if your idea is outside the normal.  Private hard money loans allow real estate investor to venture into investment avenues not possible otherwise. 

Hard money lenders are often real estate investors themselves, who understand the risk criteria of the investment and therefore underwrite the loan based mostly on the strength of the collateral. An asset-based approach to lending means faster approval and funding, and less time in escrow – which means you can move on to the next deal quicker. Our approach is 100% client focused – we don’t ask you to sign an exclusive contract or pay us anything upfront.  If we can’t get you a loan you owe us nothing – it’s that simple.

Our services

Up to 90% of the purchase price and 100% of the rehab budget. As low as $75,000 loan amount. We work with first timers!

Refinance or purchase. Up to 80% LTV, asset based underwriting. Retail, warehouse, office, marijuana-properties, we can do it all!

Need a loan to hold you over for 6-12 months? We can provide the jumping board. 

Our new addition! Clients with good personal injury cases can get a pre-settlement cash advance in less than 24 hours, and cheaper than anywhere else.

We love mobile home parks! Investors who are buying or refinancing, we have specialized knowledge that can help you get the deal done.

100% funding available for wholesalers! If you have all parties ready to go, we can fund the entire contract with zero risk to you. 

Why Real Estate Investors Use Hard Money Lending?

Hard money loans are for real estate investors who prefer speed and flexibility over everything. When locking up the property is your #1 goal, and you can't wait 2-3 months for a bank to approve you, private hard money lending is your best bet to close. Investors with bad credit or recent foreclosure/bankruptcy are also great candidates for hard money - thanks to an asset-based underwriting process that focuses on collateral and not the burrower's credit history.
Smart investors can utilize hard money loans to make an all-cash offer at a discount and beat out the competition, and refinance the loan with a traditional bank at a later date once the property is secured. Regardless of your strategy, HM Capital can assist you in realizing your real estate goals. Our services are risk free - with no upfront fees or contracts.

What Type of Real Estate Can you Buy with Hard Money?

You can purchase any type of property with a hard money loan – an apartment building, office building, or any type of commercial property.  HM Capital can help you find the best terms and loan structure that fits your investment goal.  Private money lending is simply a loan from a private party – so almost any loan you can get from a bank you can get from a private lender.  Thanks to asset-based lending, more types of properties can be approved with hard money lending.  It can mean a purchase with a higher LTV (up to 90%), or a unique property that will banks won’t finance, like a cannabis related property.  

Buyers of residential properties can use hard money loans to beat out other offers in a competitive market environment.  Whether you are considering a single family home purchase, a condo, a duplex, or an apartment building – we can help you with you capital needs no matter what type of purchase or refinance you are looking for.  

For commercial property, hard money capital solutions can provide investors with flexibility that usually is not offered by large banks.  If you are buying a triple net property, office building, warehouse, or manufacturing property – hard money lending can finance higher loan to value, and non-conventional income or tenants.  If you are buying a commercial property and need a hard money loan, you can contact one of our commercial specialists to see if you can qualify with one of our programs – before you even made an offer to purchase.  

We love to help investors who fix and flip houses! Hard money loans and fix and flip deals are the perfect match – when time is of the essence and you need capital for a new project fast – we can help you get there in a matter of days.  Our unique approach to getting funding for flipping can fit seasoned professionals and first time buyers.  

No matter what you are looking for – we can help you get there.  We will do anything to get the deal done for you – as long as you have real estate collateral to offer and need capital.  

HM Capital is Now Offering Legal Funding!

New to HM Capital – we now  offer all plaintiffs with personal injury accident legal funding!

If you were injured and have a good case – we can provide anywhere from $500 to $150,000 cash in less than 48 hours for your case. Legal funding allows you to tap into your future settlement before the actual settlement get paid to you. When you can’t wait for your case to settle and need help right away – we can step in and help you with a pre-settlement cash advance. When you case settles, your attorney pays us back. And if you don’t win your case? You still get to keep the money! It’s completely risk free. Here is the simple process:

  1. Apply online for a lawsuit loan
  2. We work with your lawyer to verify your case
  3. We sign an agreement and you get funded

Most applicants get funded within 24 hours of approval. You can get the funds as fast same same day, via ACH, wire, or to your pre-paid card. And unlike other high-cost companies that offer legal funding – our legal funding is affordable! We offer low rates, payback caps, zero fees, and simple interest rates. Learn more about the cases we fund:

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Call/Text  – (530) 436-5630

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Santa Monica, CA


This website is for information purposes only. Nothing contained here should be relied on as legal advise or financial advise. HM Capital works to connect investors and lenders in order to bridge availability gap in private lending.