Hard Money Lending
Hard money financing built for investors who need speed & flexibility.
Turning Point Lending helps real estate investors secure fast, flexible financing for time-sensitive opportunities. Whether you're acquiring, renovating, stabilizing, or growing your portfolio, our process is built around speed, clarity, and practical lending solutions.
Investor-Focused Underwriting
Loan structures built around the property, the business plan, and your exit strategy.
Fast, Clear Process
Move from request to review without unnecessary delays or confusion.
Flexible Capital for Real Deals
Designed for acquisitions, rehab projects, bridge scenarios, and rental growth.
Common hard money financing scenarios
A few examples of how investors typically use private capital.
Fix & Flip
Purchase + renovation financing designed for value-add projects.
- Fast timelines for competitive acquisitions
- Draw process for rehab workflows
- Clear path to resale or refinance
Bridge / Transitional
Short-term capital for properties that need time to stabilize or reposition.
- As-is purchases and transitional holds
- Speed when banks can’t move fast enough
- Exit strategy aligned structure
Rental & Portfolio Growth
Financing options for building and scaling a non-owner occupied portfolio.
- Investor-focused qualification approach
- Cash-flow oriented rental strategies
- Repeatable process for active investors
How it works
A streamlined path from request to closing.
Send the basics
Property, strategy, timeline, and what you’re trying to accomplish.
Get program fit
We confirm the right approach and outline what’s needed next.
Underwrite & verify
We review deal fundamentals and supporting documentation.
Close with confidence
Clear communication through approval and closing.
Request a term sheet
Send us the basics of your deal and we’ll follow up with next steps, potential fit, and what may be needed to move forward.
Hard money FAQs
Quick answers investors ask before getting started.
What is a hard money loan?
Hard money (private) loans are asset-based loans used by real estate investors when speed and flexibility matter. They’re commonly used for acquisitions, renovations, and short-term strategies.
What do you look at to approve a deal?
Hard money lenders typically focus on the property, the investor’s strategy, and the exit plan—along with documentation needed to validate the request.
What types of projects are a good fit?
Many investors use private lending for value-add rehabs, transitional properties, and rental portfolio growth where traditional financing isn’t a fit for the timeline.
How do I get started?
Use the form above to send the basics of your non-owner occupied real estate project. We’ll follow up with program fit, required items, and next steps.
Searching for the right hard money lender for your next deal?
Send us the basic information for your project and we’ll respond with next steps.