20 Best Hard Money Lenders In New Jersey (NJ)

Hard money loans can be an excellent tool for property investors. They have shorter terms and criteria than traditional lenders and offer people who lack traditional credit an opportunity to invest in property. Here are the 20 best hard money lenders in New Jersey. If you are thinking about getting a hard money loan in New Jersey, here are the 20 best hard money lenders in New Jersey to consider.

hard money lenders in New Jersey
Photo credit: Clever Real Estate


Hard money loans

A hard money loan, sometimes called a bridge loan, is a short-term loan for a real estate investor who plans to flip and sell a property quickly. While traditional borrowers generally go to a bank or mortgage lender, hard money borrowers go to private lenders. Unlike a traditional loan, primarily based on a borrower’s creditworthiness, a hard money loan is usually based on the after-repair value of the property at issue.


20 Best hard money lenders in New Jersey.

Below are the best hard money lenders in New Jersey.

RCN Capital

RCN Capital is one of the direct private hard money lenders in New Jersey, offering short-term and long-term hard money loans to real estate investors. RCN Capital prides itself on its common-sense underwriting, in-house approval, and fast response time. RCN Capital can close on a loan in as few as ten business days.

Gelt Financial

Gelt Financial is a Balance Sheet and indirect commercial lender satisfying its clients’ financial needs and goals since 1989. Gelt’s robust commercial product offerings are available to US Citizens and Foreign Nationals. They are one of the hard money lenders in New Jersey that focus on loans between $100,000 and 20 million. 


Gauntlet Funding

Based out of New York, Gauntlet Funding offers hard money loans to investors purchasing property in the greater NYC metropolitan area. Gauntlet’s process is in-house, allowing borrowers to work directly with decision-makers and avoid third parties and middlemen. 

Wilshire Quinn Capital

Wilshire Quinn Capital is a direct private money lender offering funds through its Wilshire Quinn Income Fund program. Wilshire Quinn is proud of its fast process and outstanding customer service and tries to meet all of its clients’ needs.

 Layla Capital

Layla Capital is a lender based in New York City that focuses on small to middle-market debt opportunities in primary and secondary markets worldwide, with a more significant focus on the East Coast and Midwest. Layla Capital is known for transparency, reliability, and consistency in asset-based lending.


 Global Capital Partners

Global Capital Partners is a direct Bridge and hard money lender in New Jersey direct Bridge with over 30 years of experience. Specializing nationwide in commercial loans, adaptive reuse, construction lines of credit, ground-up construction, fix & flip, and more.

 Anchor Loans

Anchor Loans is the nation’s number one private direct lender to fix-and-flip investors and the first to fund more than $1 billion in loans in a single year, with over $1 billion funded in 2016. Anchor has remained the industry leader, with over $1.1 billion in funding in 2017.

LendingHome Corporation

LendingHome is reimagining the mortgage process from the ground up by combining innovative technology with an experienced team. They aim to create a seamless, transparent process that transforms the mortgage process from end to end.


Stormfield Capital

Stormfield Capital is one of the private hard money lenders in New Jersey, focusing on directly creating commercial real estate bridge loans and hard money loans collateralized by commercial and residential investment real estate. Stormfield Capital has an experienced team of commercial bridge lenders and finance professionals, a straightforward approach, and fluid execution.

 Aryming Capital

Aryming Asset Funding is a boutique, private real estate lending sponsorship firm founded in 2010. They purchase, finance, sell, and assign mortgages & notes. They provide accredited, high-net-worth individuals who appreciate transparency and personalized service in the distressed asset sector of real estate. 

They also offer a good selection of loan programs, including fix and flip, construction, long and short-term loans, and more passive investing.

 Do Hard Money

         Do Hard Money is a private and hard money lender in New Jersey, providing short-term funding for real estate investors. They fund investment deals based on the property’s equity rather than the borrower’s qualifications. Do Hard Money help others open the door to financial freedom?



Conventus Holdings Corporation was started in 2015 by Keith M. Tomao after his 20-year career on Wall Street, where he was most recently a Managing Director at Goldman Sachs in the Fixed Income Division. Not long after starting CHC, Keith partnered with long-time friend Glenn Tatham, corporate finance.

 Angel Oak Prime Bridge

Angel Oak Prime Bridge is one of the commercial hard money lenders in New Jersey, providing financing solutions for today’s real estate investors. Real estate investing has evolved. Investors demand straightforward and practical solutions to meet today’s competitive market, so Angel Oak focuses on being a market innovator to meet the needs of the investors.

 Visio Lending

Visio lending is one of the hand money lenders in New Jersey. They thrive on real estate. They have bought, sold, or financed more than $250 million in residential real estate nationwide, and they understand the unique needs of residential investors. 

 Stratton Equities

Stratton Equities is the foremost Nationwide Direct Hard Money & NON-QM Lender specializing in fast and flexible lending processes. They are passionate about helping small business owners, contractors, and Real Estate Investors, speedily and efficiently finance their investment goals. We customize our hard money loan programs for each unique project investment need.


CMN Funding

CMN Funding is one of the hard money lenders providing loans in New Jersey. More also, their lending target is mainly private commercial real estate loans. They issue loan amounts starting at $100,000 with no maximum. They will make loans on apartment buildings, multi-family units, office buildings, hotels/motels, retail storefronts, storage facilities, assisted living facilities, warehouse spaces, mixed-use spaces, medical offices, industrial facilities, and undeveloped land.

ACC Mortgage

Based in Rockville, MD, ACC Mortgage is one of the hard money lenders in New Jersey. Offering loans in 16 states across the country. They offer to fix and flip loans, commercial loans, private refinancing, and buy-and-hold loans. Their loan parameters are flexible, including loans with a maximum LTV of 80% and rates starting at 5.5%. They require a minimum credit score of 500 to receive a loan. They will consider various lending requests but generally focus on single families.

 Asset-Based Lending

Asset-Based lending was founded in 2010 and is a leading local source of hard money loans in New Jersey. Borrowers consistently emphasize their quick, stress-free closings, favorable terms, and creative financing solutions. 



Private Lenders Hard Money is a unique type of hard money lending company which focuses on hard money loans for New Jersey investors. They offer loan programs for single-family, multi-family, and commercial properties.

Patch Lending

Patch Lending is one of the national private hard money lenders in New Jersey. They offer real estate investors fast and reliable financing for investment properties. Patch offers short-term single-family and multi-family bridges, fix & flip ground-up construction, and long-term rental property financing. They offer terms from 12 months to 30 years, with loan amounts ranging from $100,000 to $3,000,000.




Leave a Comment