Commitment letters in 24 hours - not weeks
Direct Lender. You talk to the decision maker.
No Appraisal Required
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No application fee · No obligation · Same-day response
We don’t do committees, and we don’t do red tape. Our process is built to replicate the speed of a cash offer, giving you ability to win more deals. From initial submission to a funded wire, we make funding fast, flexible, and reliable.
Tell me the address, purchase price, rehab budget, and your exit plan. Takes two minutes. No upfront fees. No commitment.
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Takes less than a minute
Asset-based, common-sense review
Your deal, your exit strategy — evaluated on merit
We review numbers, risk, and structure terms that make sense.
Deal Structuring
Direct to Decision Maker
Common Sense Underwriting
Clear terms. Fast Docs. Reliable Execution
24 Hour Funding
Clear, Final Conditions
Reliable Closing
get funded Today
Fast Response. No Obligation. No Nonsense.
Stop letting traditional banks and hard money lenders with rigid guidlines stop you.
We fund deals across the East Coast with asset-based underwriting and common-sense terms.
If the equity is there, the capital is here. Henry is the preferred capital partner for the most active investors from New York to Florida.
get terms on your deal
Fast Response. No Obligation. No Nonsense.
Got a distressed property that a bank won't touch? That's exactly what I'm here for. I fund the acquisition and the renovation in one loan. Draws get released as work is completed so your project never stalls waiting on reimbursements. First flip or fiftieth — if the deal makes sense, I fund it.
Financing for both acquisition and construction
When the deal is real, we move
Keep your project moving without cash-flow delays
Qualified on rental income, not your paycheck
DSCR underwriting — property pays for itself
30-year terms available
Land + construction in one loan
Draws released as you hit milestones
First build or seasoned developer — both welcome
Rescue loans when another lender drops the ball
Foreclosure bailouts and maturity defaults
Close in as little as 24 hours — no committee
Apply For Funding Today
Single Family
Multi-Family
Single Family
Single Family
If you have another question, you can email me at henry@hardmoneyhenry.com
I can close qualified fix-and-flip, new construction, and bridge loans as quickly as 24 hours.
To accomplish a 24 hour close, 3 things will need to be ready:
The reality is that most 24 hour loan closings take place during 'rescue loan' scenarios- when another lender had been working on it and dropped the ball.
When I am the first person to work a file, and responsible for ordering title, I prefer to rephrase the question to "how fast can I get a commitment letter?" because items 2 and 3 are out of my control, but a commitment letter is not.
The answer remains the same. I can issue a commitment letter as quickly as 24 hours so you can be prepared to close as soon as title and insurance are ready!
I am a direct, private lender not tied to institutional money. This gives me total control over the loans that we choose to complete and keeps me free from rigid guidelines that many other 'private' lenders in this industry face.
If you've ever called countless lenders who all seem to tell you the same reason they can't do your deal, give me a call. It will be a breath of fresh air to deal with a lender who is truly private and practices common-sense.
Yes, I support new and experienced investors who want to invest in real estate. While experience helps, it is not a requirement to borrow.
Instead of only looking at experience, I look at the full story behind the deal by reviewing the property, scope of work, experience, credit history, assets, and income to make a decision.
No, I don't need an appraisal for every loan.
For most fix and flips, new construction, and bridge loans I don't need an appraisal to fund the loan. Instead of relying on a 3rd party appraisal, I review my own comps and make a funding decision accordingly.
In the event there are insufficient comps, a unique residential proprety, or commercial property, I may require an appraisal or third-party valuation to help structure a winning deal.
Put simply, instead of relying on rigid guidelines and criteria to fund a deal, I look at the deal as whole and make loans accordingly.
I analyze the property details, scope of renovations, borrower credit, income, assets, and experience to make a loan.
This helps borrowers who are frutrated by lenders who can't support their business because of arbitrary credit boxes and guidelines
I lend on all property types including:
I practice common-sense underwriting when it comes to the property types I lend on. If you have a good deal, message me today for funding!