New York City Hard Money Lenders for Real Estate Investors

Need a hard money loan secured by real estate in New York City? This page has a list of direct hard money lenders that offer quick funding for a New York City 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.
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Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
IceCap Group

Flexible & Friendly Funding for Property Investors Across the Country

$50,000 - $10,000,000
12 to 18 months
7.00% - 12.50%
1.00% - 4.00%
Tower Fund Capital

Direct Lender for Purchase & Refinance Bridge Loans

$200,000 - $50,000,000
12 to 24 months
7.50% - 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%
Crosby Capital USA

Fast Bridge Loans for Multifamily and Residential Investment Properties

$200,000 - $50,000,000
2 to 12 months
11.00% - 14.00%
1.00% - 3.00%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 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%
Backflip

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%
LendingOne

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

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
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%
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%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
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%
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%
Conventus

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%

New York Hard Money Interest Rates

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According to the hard money loan documents software company, Lightning Docs, the average interest rate for New York hard money loans in the 1st quarter of 2024 was 12.00%. The average loan amount was $732,611. These stats are the average of 94 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in New York 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.

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According to private lending data provider, Analytics Logics, the average interest rate for New York hard money loans in the 1st quarter of 2024 was 11.53%. Lenders charged an average of 2.4% points (origination fee). The average LTV (loan-to-value) for hard money loans in New York was 62%, and the average loan amount was $1,190,000. 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.

 

Top 10 New York 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 New York in the last 12 months from March 2024.

  1. ROC Capital
  2. Broadview Funding
  3. Adirondack Trust CO
  4. Icecap Group
  5. RCN Capital LLC
  6. Constructive Loans LLC
  7. Velocity Commercial Capital
  8. Kiavi
  9. Bayport Funding LLC
  10. Insula Capital Group LLC

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

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