At Cambridge Capital, we fund the deal in front of you. Our hard money loans start at 7.875% with up to 90% of the purchase price and 100% of the rehab, capped at 75% of ARV, and can close in as few as 5 days.
Same-day term sheet · fund in as few as 5 days.
A hard money loan is a short-term loan secured by the property itself. Instead of a bank’s long approval process, we focus on the deal: the purchase price, the renovation plan and what the finished property should be worth. That is why we can move in days, not weeks, which makes it the go-to tool for flippers, auction buyers and investors who need to close before the next offer lands.
Hard money is built for the project timeline, not for thirty years. Most investors renovate, then sell or refinance into long-term financing such as a DSCR loan.
See What My Deal Qualifies For →You buy a property for $200,000, budget $60,000 to renovate, and the finished home should appraise at $360,000:
| Purchase loan (90%) | $180,000 of the $200,000 price |
| Rehab funding (100%) | $60,000 |
| Total loan | $240,000 |
| ARV cap (75% of $360,000) | $270,000, so the full request fits |
| Loan as % of ARV | About 67% |
Illustrative only. Actual leverage, rates and costs vary by property, borrower and program. Your cash needed also includes closing costs, points and interest.
ARV caps the loan. If the finished value comes in lower than planned, the loan shrinks to stay at 75%, so a realistic ARV and a comp-backed scope of work matter more than a big purchase discount.
Fix-and-flip investors, buy-and-hold investors who renovate before they refinance, and buyers who need to close on auction or off-market timelines.
Up to 90% purchase · 100% rehab
Buy, renovate and sell with the purchase and the rehab funded against the finished value.
Renovate, lease, refinance
Close fast, stabilize the property, then refinance into long-term DSCR financing.
Deadline-driven closings
Short fuses don’t scare us. Tell us your date and we work backward from it.
Released in draws
Renovation dollars go to the project as work is completed, not into an account to sit.
Keep your cash for the next deal
Up to 90% of the purchase price means less of your own capital tied up in each property.
Close your way
Hold title in an LLC or other entity and keep building your portfolio.
| Feature | Cambridge Capital Hard Money | Traditional Bank Loan |
|---|---|---|
| Speed | As few as 5 days | Often 30-60+ days |
| Focus | The deal: price, rehab and ARV | Your income, history and debt ratios |
| Rehab funding | Up to 100%, released in draws | Often limited or not financed |
| Purchase leverage | Up to 90% of purchase price | Varies, often lower on investment property |
| Distressed properties | Financed with a rehab plan | Often must meet condition standards |
| Ownership | LLC or entity welcome | Often an individual borrower |
| Term | Short-term, built for your project | Long-term |
Bank column is a generic composite of commonly seen terms as of 2026, subject to change, and does not describe any specific lender.
We look at what the property is worth and what you plan to do with it, which speeds up every file.
With closings in as few as 5 days, you can compete with cash buyers and keep your contract on schedule.
Up to 90% of purchase plus 100% of rehab means more of your capital stays free for the next property.
You see your rate, leverage and costs on a term sheet before you commit, so there are no surprises at closing.
When the work is done, refinance into a Cambridge Capital DSCR loan and keep the property as a rental.
Talk to the same people from first call to funding, and again on your next deal.
Enter your deal to estimate your loan amount, leverage and cash needed. Illustrative only.
Illustrative only; not a commitment to lend. Loan = lesser of (90% of purchase + 100% of rehab) or 75% of ARV. Interest assumes the full loan is drawn for the whole hold, which overstates cost when rehab is drawn over time. Points and rate shown are examples; your terms depend on the property and borrower. Excludes closing, title, insurance and selling costs.
| Leverage | Up to 90% of purchase price and 100% of rehab, capped at 75% of ARV |
| Rate | From 7.875% |
| Time to close | As fast as 5 days on well-prepared files |
| Deal documents | Purchase contract or address, scope of work and rehab budget |
| Valuation | Appraisal or valuation to support the ARV |
| Borrower | Individual, LLC or entity; experience is reviewed in underwriting |
| Verification | Government ID, entity documents and proof of funds for your down payment |
| Property use | Investment properties only, not owner-occupied homes |
Requirements shown reflect our strongest profiles and may vary by property, borrower and market conditions.
Send the address, purchase price, rehab budget and ARV. A short application or a phone call is all it takes.
We send a same-day term sheet with your rate, leverage and costs, so you know your options before you commit.
Appraisal, title and insurance run side by side, and we review entity and ID documents.
Sign, fund and get to work. Many loans close in as few as 5 days, with rehab released in draws.
A short-term loan secured by the property, sized on the purchase price, the rehab plan and the after-repair value. It is built for fast closings and renovation projects.
Yes, on well-prepared files. Timing depends on appraisal turnaround, title work, insurance and how quickly documents come back. Send us your closing date up front and we’ll tell you honestly whether it’s realistic.
ARV is the after-repair value. Your total loan, purchase plus rehab, can go up to 75% of that number. Your actual leverage is set in underwriting.
We can finance up to 100% of your rehab budget. Funds are released in draws as work is completed.
Rates start at 7.875% for our strongest profiles. Your exact rate depends on the property, leverage and experience, and you’ll see it on your term sheet before you commit.
Hard money is short-term by design, built around your renovation and sale or refinance timeline. Ask us about options for your project when you submit the deal.
Yes. Many investors renovate with a hard money loan, then refinance into a Cambridge Capital DSCR loan once the property is stabilized and rented.
Yes. You can close in an LLC or other entity.
Talk to Cambridge Capital and get a same-day term sheet for your flip or bridge project, with no obligation. Fund in as few as 5 days.
© 2026 Cambridge Capital · Commercial Real Estate Finance. Hard money loans are business-purpose loans for non-owner-occupied investment properties and are not available for primary residences. Rates, points, leverage, terms and closing timelines are illustrative, subject to change without notice, and subject to borrower, property and deal qualification and underwriting approval. “Rates from 7.875%,” “up to 75% ARV,” “up to 90% of purchase,” “100% of rehab” and “close in 5 days” reflect the strongest profiles and are not a quote or commitment to lend. Calculator results and examples are illustrative and exclude closing costs. Comparison figures are generic market composites and are not the terms of any specific lender. This page is informational and does not constitute financial, legal, tax or investment advice.
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