A hard money loan is a loan gained by using real property as collateral. These loans are usually used for real estate transactions. A hard money loan can be a way to raise money quickly but at a lower LTV ratio and a higher cost. Since hard money loans are based on property as opposed to the applicant’s financial position, they have a quicker and easier approval process and do not require income verification. This means the applicant can receive the loan quicker. A hard money loan can be approved and closed in just days. Hard money loans are generally provided by individuals or businesses. The repayment plan and loan terms can be flexible, opposed to when working with a bank. Hard money loans can also be referred to as private loans, bridge loans, and construction loans. They are a form of financing available to purchase and repair an investment property. When you need a hard money loan, go with the lending experts. Call Wise Funding Solutions today!

Wise Funding Solutions is your source for quick, reliable funding. No one in the business has a better reputation, and if you give us the chance, we’ll show you why. Wise Funding Solutions provides an alternative to conventional lending for real estate professionals. Our focus is to deliver a fast, efficient, fair option to borrowers. We are committed to customer satisfaction, clear communication, and making the customer experience effortless. We are here to get you money fast. Our team is experienced and knowledgeable and will make sure that you are taken care of. When you choose us, you can expect quality service, affordable rates, and an amazing customer experience. When you give us a call, you’ll be connected directly to our friendly staff, so you can expect immediate assistance to your inquiry. So, don’t wait - call now!

Yes, you can! If you would like to get preapproved, complete the Borrower’s Application, W-9 Form, and the Rental Properties Form. We will also need copies of your tax returns from last year, your last 2 months of bank statements (personal and business), your driver’s license, and LLC documents. You can send these via mail, or drop them off at our location. Our address is 3214 S. Big Bend Blvd, St. Louis, MO 63143. We will also require a one-time processing fee of $50. With just this, we will be able to preapprove your hard money loan and get you your capital quickly.