Missouri Hard Money Lenders

Need a hard money loan secured by real estate in Missouri? This page has a list of direct hard money lenders that offer quick funding for a Missouri property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.
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RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Pimlico Capital

Direct Lender for Real Estate Investors | Established in 2016

$75,000 - $5,000,000
3 to 360 months
10.50% - 12.00%
2.00% - 3.00%
Malve Capital LLC

Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.

$50,000 - $5,000,000
6 to 24 months
9.00% - 12.00%
1.00% - 2.00%

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Minnow Loan

Your Deal. Our Money.

$25,000 - $2,000,000
6 to 18 months
8.00% - 14.00%
1.00% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Yieldi LLC

Direct Lender for Investment Properties - Bridge, Rehab, Construction

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$100,000 - $3,000,000
12 to 60 months
10.00% - 13.00%
3.00% - 5.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
ZINC Financial

$100,000 - $5,000,000
9 to 360 months

Fix and Flip Direct Lender with all-in-one platform providing comps, capital and community to help you scale

$75,000 - $2,000,000
6 to 12 months
10.00% - 13.00%
1.25% - 2.00%
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
Old North Capital Fund, LLC

True asset-based financing | No credit check, No appraisals, No prepay

$100,000 - $2,500,000
6 to 12 months
11.90% - 13.00%
2.00% - 4.00%
KECO Capital, LLC

Funding for Investors By Investors

$250,000 - $100,000,000
6 to 360 months

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Rain City Capital

Quick, Simple, Reliable Direct Lender for Real Estate Investors

$75,000 - $5,000,000
12 to 360 months
10.00% - 12.00%

Missouri Hard Money Interest Rates

lightning docs logo

According to the hard money loan documents software company, Lightning Docs, the average interest rate for Missouri hard money loans in the 1st quarter of 2024 was 11.84%. The average loan amount was $161,928. These stats are the average of 54 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in Missouri between January 1, 2024 and March 31, 2024 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.


analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for Missouri hard money loans in the 1st quarter of 2024 was 11.74%. Lenders charged an average of 2.4% points (origination fee). The average LTV (loan-to-value) for hard money loans in Missouri was 61%, and the average loan amount was $451,220. These stats are the average of all the loans which were funded between January 1, 2024 and March 31, 2024 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Missouri Hard Money Insights from Minnow Loan

The real estate investment market in Missouri remains stable. However, like many other states today, it is facing some challenges that are affecting investment activity. According to Shelby Reed, CEO of Minnow Loan in Missouri, one of the biggest factors affecting real estate investment activity is the lack of inventory across the state, which has driven up property prices. “Our prices remain consistently stable, however, because of this lack of inventory right now, we are seeing that directly impact the prices on the buy side, the sales side, and as well as our rental market,” Reed explains.

Reed also states that although market prices remain higher than usual, investors are less interested in doing the usual fix and flip, rather they want to buy, hold and rent it out long term. “We have been able to successfully take some of those products and some of those borrowers and loans and convert their bridge or their fix and flip into a long-term DSCR product, which really gives that investor many, many options to build their portfolio,” she says.

According to Reed, real estate investors in the state of Missouri have a few different lending options for their projects. One option is the local bank, and another is to work with a hard money lender. Reed says, there are a handful of hard money lenders throughout the state, and many of them are nationwide lenders, unlike Minnow Loan, a Missouri local lender. Reed says, “what makes Minnow loan so different is that we are true local lenders here throughout the state of Missouri. What makes us unique is that we are loaning out from our own capital, so that allows us to have our own underwriting process that we do internally, and that therefore we can talk with the borrower and really understand what makes up this deal.”

Popular Markets in Missouri Investors to Consider

According to Minnow Loan, the housing market in Missouri is generally stable, with prices not experiencing severe fluctuations compared to states like Florida, Arizona, or California. However, major metropolitan areas such as St. Louis and Kansas City see higher levels of investment activity.


MinnowLoan logo

Minnow Loan is an asset-based direct lender focused on lending throughout Missouri – St. Louis, Jefferson City, Columbia, Kansas City, Springfield, etc. They offer various types of hard money loans: bridge loans, rehab, fix and flip, ground-up construction, and transactional (same-day close). They are not too concerned about credit scores and don’t require a formal appraisal for most deals.



Top 10 Missouri Hard Money Lenders

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According to Forecasa™, here are the Top 10 Hard Money Lenders ranked by the number of loans originated in Missouri the last 12 months from March 2024.

  1. Kiavi
  2. Endeavor Capital LLC
  3. RCN Capital LLC
  4. Cherokee Investment Company
  5. Longhorn Investments
  6. ROC Capital
  7. 3 Arrows Lending LLC
  8. North Oak Investment LLC
  9. Anchor Loans
  10. Sherman Bridge

Forecasa™ provides analytics data for Missouri hard money lending on a quarterly basis. You’ll find their top lenders data for many other states on our platform.

Select a Metro Area

Kansas City and St. Louis are the two main metropolitan areas in Missouri. The list of lenders for these two metros are the same as the entire state. We haven’t found that any lenders will consider one versus the other.

Kansas City St. Louis

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