Most Popular
Fix and Flip
Short-term financing to acquire and renovate distressed properties. We cover purchase and rehab with draw schedules.
- Up to 90% LTC
- 6–24 month terms
- Draw-based rehab funding
No Matter What Your Project Is
We Deliver Fast & Reliable Funding
Your Trusted Hard Money Specialists
Fix & Flip, Ground-Up Construction, and DSCR rental loans for real estate investors, with bridge financing when you need it. Flexible, asset-based funding designed to move quickly and help you close with confidence.
Core Financing
Three loans built for real estate investors
Start with Fix and Flip, Ground-Up Construction, or a DSCR rental loan. Each one opens its own application.
Ground-Up Projects
Ground-Up Construction
Flexible financing for new construction and major renovation projects. Built to fund the project from the ground up.
- Ground-up financing
- Flexible draw schedules
- Fast approvals
30-Year Financing
DSCR Rental
Qualify on rental income, not your W-2. Long-term DSCR financing for buy-and-hold portfolios.
- 30-year amortization
- No personal income docs
- STR eligible
Also available
Bridge Loan
Bridge the gap between transactions or financing sources. Close in as few as 3 business days.
- Close in 3–7 days
- Commercial and residential
- Interest-only
Not sure which loan is right for you?
Talk to a specialist. We'll match you with the right product in minutes.
More from Reward Services
Other ways we can help
Debt Consolidation
Streamline Your Debt
Take control of your finances with our efficient debt consolidation solutions. Our experienced team helps simplify multiple payments into one manageable plan.
Learn MoreProject Funding
Finance Your Project
Building a new property? Expanding an operation? Not sure what kind of funding you need? We'll help you get the funds to get the project done fast and on your terms.
Get FundedReferral Network
Recommended Professionals
These are individuals and companies we work with and trust to provide you the same level of service you've come to expect here. Our network is your network.
View NetworkEducation
What is a Hard Money or Private Financing Loan?
A Hard Money Loan also known as Private Financing is a short-term loan secured by real property. Unlike conventional bank loans, hard money is funded by private investors and institutions rather than traditional banking institutions.
Because these loans are secured by the asset itself, they do not require the same level of credit validation, income documentation, or down payment as bank financing. This makes them ideal for real estate investors who need to move fast or whose deals don't fit conventional underwriting boxes.
Interest rates are typically higher than conventional loans, reflecting the increased risk and flexibility. But for investors who need speed, certainty, and capital that banks won't provide, hard money is often the only and best option.
Hard MoneyBank Loan
Speed
Close in 3–10 days
30–90 days
Credit Required
No minimum score
680+ typically
Loan Basis
Asset / property value
Personal income & credit
When is Hard Money the Right Choice?
- Fix-and-flip properties that need quick closing
- Ground-up construction and major renovation projects
- Bridge financing between transactions
- Scenarios that banks decline (credit, income, property type)
- Commercial and mixed-use investment properties
- Time-sensitive auction or distressed purchases
- Refinancing existing hard money or conventional loans
Let one of our lending experts help you decide if a hard money loan is the right choice for you.
Ask a ProfessionalOur Track Record
Numbers that speak for themselves.
$2.4B+
Total loans funded
7 days
Avg. days to close
73%
Repeat client rate
$100M
Max single loan
Lowest hard money rates in the state of Florida guaranteed.
Meet the teamWhy Choose Us
The specialists real estate investors trust.
20+ Years of Experience
Our team has navigated every market cycle since 2004. We find solutions where others see dead ends.
Lightning-Fast Closings
We close most deals in 5–10 business days. Speed is your competitive edge we make it happen.
Nationally Capable
Based in Winter Garden, FL but we lend coast to coast. Deep local roots, nationwide reach.
Relationships First
Our clients keep coming back because we lead with honesty. You're a partner, not a transaction number.
Client Reviews
What our clients say
5.0 / 5.0
Based on 200+ reviews
“Closed in 5 days on a deal that two other lenders passed on. The team was professional, delivered exactly what they promised, and never missed a beat.”
MT
Marcus T.
Fix & Flip Investor · Orlando, FL
“I've used Reward Services for four DSCR loans. They understand investors, don't require tax returns, and consistently beat the rates I find anywhere else.”
SR
Sandra R.
Rental Portfolio Owner · Tampa, FL
“We needed a bridge loan on a tight deadline. They made it happen in under a week. If you need fast, reliable capital this is the team.”
DK
David K.
Commercial Developer · Miami, FL
Get Started Today
Ready to fund your next deal?
Competitive rates, exceptional service, and we always close on time. No matter what your project is we have the solution.