Colorado Hard Money Loans
Direct hard money lender in Colorado for fast, reliable funding.
- Direct Private Lender
- Loans ranging from $100K-$5M
- Fast approvals and funding
What is a Colorado Hard Money Loan
A hard money loan in Colorado is a short-term financing solution secured by real estate as collateral. Unlike banks, hard money loans allow real estate owners and purchasers to quickly secure the capital they need within days.
- No minimum credit score requirements
- Past bankruptcy and foreclosure are acceptable
- No minimum financial reserves or employment required
- Individuals, Small Businesses, Corporations, LLC
Why Hard Money?
Terms
Up to 65% LTV and loan amounts from $100,000 to $5,000,000.
Speed
Direct access to capital for fast funding.
Requirements
No minimum credit scores or income requirements.
Benefits
No appraisal fees, prepayment penalties or “junk fees”.
How to Qualify for a Hard Money Loan in Colorado?
A hard money loan in Colorado is a short-term, real estate-backed financing option based primarily on property equity rather than borrower credit or income. It is commonly used by investors and property owners who need fast access to capital for acquisitions, renovations, or refinancing.
To qualify for hard money loans in Colorado, borrowers typically need:
- Sufficient equity in the subject property or a strong down payment
- A viable exit strategy
- Acceptable property condition and location within Colorado markets
- Basic documentation on the property and transaction
- LLCs, corporations, and foreign nationals are generally eligible
Colorado Loan Programs
Hard Money Loans
Get fast, asset-based hard money loans for real estate purchases, refinancing, and investment opportunities.
Bridge Loans
Use bridge loans to leverage existing equity and transition between real estate transactions with short-term financing.
Private Money Loans
Secure fast approval and flexible financing through private money loans backed by residential or commercial real estate.
Commercial Loans
Finance commercial real estate purchases, refinancing, renovations, and business property investments with flexible loan options.
DSCR Loans
Get DSCR loans designed for rental property investors using property cash flow instead of personal income.
Owner-Occupied Loans
Access owner-occupied loans with flexible qualification options for refinances.
Investment Property Loans
Secure financing for rental properties, property acquisitions, renovations, and other real estate investments based on property value and investment potential.
Non-QM Loans
Access flexible financing with alternative income documentation and qualification options for borrowers who may not meet traditional lending requirements.
Trust Loans
Obtain financing for real estate held in a trust using the property’s equity and value to support purchases, refinancing, or other financial needs.
What Colorado Borrowers Say About Us
How It Works
It takes minutes to complete our online application to get prequalified for a loan.
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
You make monthly payments via mail, phone or direct deposit. It’s that easy.
Why Choose Source Capital
Diverse Financing Solutions
We provide financing solutions across Colorado for investment properties, commercial real estate, and time-sensitive transactions.
Competitive Rates
We offer competitive interest rates between 8.99% to 11.99% for real estate loans across Colorado.
Proven Success
We’re an A+ Accredited Business committed to ethical practices and efficient funding.
Strong Brand Recognition
We’re a renowned private money lender in Colorado with prominent features in Business Insider, MSN, and Realtor.
Deal Directly with the Lender.
Colorado Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
Non-owner-occupied (multifamily, industrial, office, retail, and mixed-use) |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in Colorado
- Aspen
- Aurora
- Boulder
- Colorado Springs
- Denver
- Vail
- And More
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”
Lauren Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future.”
Kendall Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”
Greg Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”
Sergio Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
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Hard money loans are designed to provide fast, asset-based financing for two main reasons: for
Get prequalified today
Frequently Asked Questions about Colorado Hard Money Loans
How do hard money loans work in Colorado?
Hard money loans in Colorado are short-term loans secured by real estate rather than borrower’s credit. They are typically issued by private lenders and are based on property equity and deal strength. These loans are commonly used for investment purchases, renovations, or refinancing. You can apply online to check eligibility.
When to consider a hard money loan?
A hard money loan is often used when speed is critical or when traditional financing is not feasible. It is especially useful for investors purchasing distressed properties or those who need fast closings in competitive Colorado markets. These loans are short-term and designed for exit through sale or refinance.
What are the current hard money loan rates in Colorado?
Hard money loan rates in Colorado typically range based on loan-to-value, property type, and borrower risk profile, but current rates typically range between 9-12%. Rates are generally higher than conventional mortgages due to speed and flexibility. Final pricing depends on the specific deal and collateral involved.
What are the requirements for a hard money loan in Colorado?
Colorado hard money lenders usually look for property equity, a viable exit strategy, and basic property documentation. Credit score and income are not primary factors in approval. Borrowers with LLCs or non-traditional profiles may still qualify, but it depends on the asset.
How fast can I get funded?
Many hard money loans in Colorado can close in as little as 7–10 days once documentation is submitted. Initial feedback or term sheets may be issued within 24–48 hours, depending on the property.
What types of properties qualify for a Colorado hard money loan?
Eligible properties include residential investment homes, multifamily buildings, retail spaces, office properties, and other commercial real estate.
Who are the best hard money lenders in Colorado?
The best hard money lenders in Colorado are typically private lenders who specialize in asset-based financing and fast execution. Source Capital stands out for our direct lending, competitive terms, and experience across residential and commercial markets in Colorado.
What fees are associated with hard money loans?
Fees may include origination fees, underwriting costs, and standard closing expenses, depending on the lender and loan structure. These costs vary by deal and are disclosed upfront before funding. Borrowers should review all terms carefully prior to closing.