Hard Money Loan Programs for Real Estate Investors
Every deal is different, but the problem is usually the same. You found the right property, and now you need money fast. TBA Lending offers three loan programs built for investors across Pennsylvania, Delaware, New Jersey, and Maryland. We lend our own capital, so you get an answer within 24 business hours and can close in just a few days.
Fix and Flip Loans
Our
Fix and Flip Loans are built for investors who buy a property, renovate it, and sell it for a profit. We fund the purchase and the rehab together, with leverage based on the after-repair value. They work well for single-family homes, rowhomes, twins, and small multifamily properties of 2–4 units.
For investors who buy, renovate, and sell.
When the numbers work, you need to move before someone else does. Our fix and flip loans cover the purchase and the renovation, with rehab funds released in draws as the work gets done. Leverage is based on the after-repair value, so the loan is sized to the finished property, not just what it’s worth today.
- Purchase and rehab financing in one loan
- Leverage based on after-repair value (ARV)
- Draw schedule that follows your renovation
- Built for single-family homes, rowhomes, twins, and 2–4 units
Rental Property Loans
Our
Rental Property Loans are designed for buy-and-hold investors growing a rental portfolio. We help you buy and rehab the property, place tenants, and refinance into long-term financing once it’s leased. They’re a strong fit for single-family rentals and 2–4 unit properties.
For investors building a buy-and-hold portfolio.
The best rentals usually need work before they bring in rent. Our rental property loans help you buy the property, get it rent-ready, and refinance into long-term financing once it’s leased. It’s the BRRRR strategy, with a lender who understands it.
- Funding to buy and rehab rental properties
- Built for the buy, rehab, rent, refinance (BRRRR) strategy
- Single-family rentals and small multifamily of 2–4 units
- Repeat borrowers move faster with every loan
Commercial Hard Money Loans
Our
Commercial Hard Money Loans fund the acquisition or improvement of commercial real estate, including mixed-use buildings, apartment buildings with five or more units, retail space, and office properties. They’re ideal for value-add projects and time-sensitive purchases that banks can’t close fast enough.
For investors acquiring or improving commercial property.
Banks move slowly on commercial deals and often pass on the ones with the most upside. We fund mixed-use buildings, small apartment complexes, and value-add properties on timelines that keep the deal alive, then you refinance once the property is stabilized.
- Mixed-use, multifamily (5+ units), and commercial properties
- Bridge financing for value-add and time-sensitive purchases
- Terms structured around your property and exit plan
- Direct access to the people making the decision
Loan Program FAQs
The right loan depends on what you plan to do with the property. Here’s how to match your strategy to the program built for it.
What is a hard money loan?
A hard money loan is a short-term loan from a private lender, secured by the property itself. Approval depends mainly on the property and your plan, not your bank history. That makes it faster and more flexible than a traditional mortgage.
How fast can TBA Lending close?
We approve loans within 24 business hours and can close in just a few days, depending on title and appraisal timing.
Do you lend on owner-occupied homes?
No. All three loan programs are for non-owner-occupied investment properties only.
Can I use more than one loan program?
Yes. Many of our borrowers flip some properties and hold others. Once you’ve worked with us, moving between programs is simple.
Not Sure Which Loan Is Right for You?
Give us a call and walk us through the deal. We’ll look at your numbers, tell you which program fits, and give you a straight answer, usually within 24 business hours.
Why Investors Choose TBA Lending
100% Self-Funded
We don’t wait on outside investors or a loan committee. That’s why we can approve your loan within 24 business hours and close in just a few days.
Simple Process, Clear Terms
Minimal paperwork, no hidden fees, and terms you can understand before you sign.
A Lender That Knows Your Market
We’re based in Glen Mills, PA and lend across the Mid-Atlantic, from Philadelphia rowhomes to Baltimore rowhouses and Wilmington twins.
Faster Every Time
Once you’ve closed a loan with us, every deal after that moves even quicker.