No Matter What Your Project Is
We Deliver Fast & Reliable Funding
Your Trusted Hard Money Specialists
From Fix & Flip to Construction, Rental, and Bridge loans, we provide flexible, asset-based financing designed to move quickly and help you close with confidence. Our experienced team is here to support every step of your investment journey.
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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.
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View NetworkThe right loan for every project
From fix and flip to construction, rental, and bridge financing, we have a loan product designed to fit your investment strategy.
Fix and Flip
Short-term financing to acquire and renovate distressed properties. We cover purchase + rehab with draw schedules.
- Up to 90% LTC
- 6–18 month terms
- Draw-based rehab funding
Construction Loan
Flexible financing for new construction and major renovation projects. Built to help you fund from the ground up with speed and confidence.
- Ground-up financing
- Flexible draw schedules
- Fast approvals
Rental Loan
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
Bridge Loan
Bridge the gap between transactions or financing sources. Close in as few as 3 business days.
- Close in 3–7 days
- Commercial & 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.
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.
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 ProfessionalNumbers that speak for themselves.
Lowest hard money rates in the state of Florida guaranteed.
Meet the teamThe 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.
What our clients say
“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.”
“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.”
“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.”
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.