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Seeking The Best Hard Money Lender? 10 Things To Consider.

1. It’s Not Just A Hard Money Lender You’re Seeking. It’s A Consultative Partner.

The best hard money lenders won’t just facilitate a short-term loan for your investment property; they’ll be a consultative partner throughout the entire experience. What that means for you, as the borrower, is that you’ll have someone at your side throughout every step of the process, from initial due diligence, construction, and all the way through the final sale or renting and refinancing of the property.

2. The Best Hard Money Lender Cares About Your ROI

You want to be working with a lender who brings you confidence in your investment. A lender cares because they want to get repaid, but they also want to help create repeat loans and prosperous investors. Everyone wins in this scenario.

The best hard money lender will calculate your costs and expected return to coach you on how to obtain the profit you’re seeking. Similarly, if the profit you’re seeking isn’t possible, they’ll inform you of that, too.

3. If You Get A Great Rate, It Doesn’t Mean It’ll Always Close

Make sure the hard money lender you select is going to be able to close on your loan.

You can do this by getting referrals from other investors to ensure their loans were approved swiftly and without issue. Besides other investors, title companies are a great resource of intelligence on hard money lenders. If you inquire with local title companies that the lender has worked with, you can inquire about issues with loans or to ensure that hard money lender’s loans went through smoothly.

4. Restructure Deals To Protect Your Investment

If you are new to real estate investing or if you are experienced but haven’t done a deal and lost money, you won’t know what to look for. The best hard money lenders do. They’ve seen it all.

The best hard money lender will bring their experience to the table and coach you to ensure that any bad loans or projects that have gone sour don’t happen to you. Often, a restructure of a deal is recommended and the best hard money lender will coach you on how to do just that.

5. Don’t Be Fooled By A Loan’s Structure. The Best Hard Money Lender Is Transparent.

Don’t make a mistake of borrowing from a hard money lender solely based on the rate. Ensure you understand all potential hidden fees (underwriting fees, application fees, etc.) that may come into play with your loan. Some hard money lenders will sell investors on low rates, only to tack on fees that are hidden until you move forward with your loan.

Ensure you understand the overall cost of the loan and all of the associated fees upfront. This will allow you to confidently select the best hard money lender at the beginning of your process.

6. The Best Hard Money Lenders Have No Upfront Costs

A trick some hard money lenders use is upfront costs. These are often used to lock you in and prevent you from backing out once hidden fees are introduced or terms are unfavorably changed.

The best hard money lenders have no upfront costs and don’t use sneaky tactics that bind you to working with them.

7. You Want A Hard Money Lender With A Smooth Approval Process.

Whenever you’re talking to a new hard money lender, an important question to ask them is: is there another party that has to approve my loan?

Make sure that the loan that’s being sold is going to get approved by talking to the decision maker. Resist working with a hard money lender with a back office committee that needs to approve your loan. This structure risks delays and disapproval of loans, which can cause borrowers headaches – especially when you’re trying to move fast.

8. Familiarity With The Area You’re Looking To Borrow For Is Key.

Block-by-block variants in cities and towns across NY, DE and PA make a huge difference in the profit and ROI you’re seeking from your investment property. You want to make sure your lender knows the area that you’re borrowing for and the value of rehab-to-flip, rehab-to-rent or other investment property.

Without the block-by-block knowledge of going rates, how will your hard money lender be able to calculate construction costs against your profit goals?

9. Access A Robust Network Of Contractors, Material Suppliers And Industry Professionals.

Hard money lenders witness hundreds or more investment property projects each year. As a result, they become keenly aware of the best of the best contractors, material suppliers and industry professionals in the various regions they serve.

The most trustworthy parties who perform a fair and timely job are what investors seek for their investment projects. The best hard money lender can refer you to the exact party you’re looking for to help contribute to your project’s success. Ultimately, accessing a hard money lender’s referral network can help save money (and time) on your project.

10. Make Sure Your Hard Money Lender Disperses Funds Swiftly

As the construction process begins on your investment property, you want to make sure the lender pays materials suppliers and contractors in short order. Some lenders won’t disperse money until a week or two later after work is performed or materials are delivered.

Swift payment by your hard money lender eliminates the need to pay out of your own pocket or having a contractor stop work until they’re paid.

Work With Ashmore Partners, The Best Hard Money Lender Serving PA, NJ, DE

All clients work directly with an Ashmore Partners co-founder to ensure stellar advice and consultation by experienced real estate investors. Our rates have no junk fees and no hidden fees. All clients receive access to our profit calculator to estimate your costs and gain visibility into a projected investment return.

Builders Trust Capital Client Success Stories

Partner with an efficient, personable team who has delivered $190,000,000 in real estate loans

Builders Trust Capital Success Story Photo: 1185 Route 9 South, Cape May Courthouse, NJ
  • Purchased $185,000
  • Rehab $150,000
  • ARV $475,000
  • Fix & Flip Philadelphia, PA
Builders Trust Capital Success Story Photo: 10 Anderson, Morristown NJ
  • Purchased $1,675,000
  • Rehab $450,000
  • ARV $3,955,000
  • Fix & Flip Cape May, NJ
Builders Trust Capital Success Story Photo: 10 Anderson, Morristown NJ
  • Purchased $550,000
  • Rehab $208,286
  • ARV $1,005,000
  • Fix & Flip Haddonfield, NJ

How to Finance Your Real Estate Investment

Our process is simple! We handle the entire loan process in-house. Loans are closed in as little as 10 business days.

Get Started

Fill in the form or call us at 856-422-3232 so we can contact you and begin working on your loan. We're local and happy to meet with you to learn your funding needs.


Complete your application and provide supporting documentation.

Proof of Funds

Increase your buying power with a proof of funds (POF) letter.

Loan Processing

Your appraisal and title work are ordered. Your application documents are reviewed. Our in-house processing team will contact you with any questions or additional documentation required.

Get Funded Now

After underwriting is complete, we make sure your closing docs are ready at the table and funds are disbursed timely so you can start your work without delay.


Photo of Alexandra Petruchenya

I appreciate your team's support during the entire rehab process for my property. This is my first deal, there were a lot of unknowns that came with that. The construction process intimidated me and held me back from doing real estate for several years. Kurt has been phenomenal, he was a wealth of knowledge. I appreciate how he gets in touch to talk through in-scope item completion and aligning on ways to ensure my construction draws are adequate. I'm thankful to have someone who has my business's best interests at heart.

Alexandra Petruchenya recommends Builders Trust Capital Oct. 2021
Photo of Sharina Jackson

I recently completed a cash-out refinance transaction with Builders Trust Capital. I would like to say thank you to Anthony for your partnership during this process, your excellent customer service and professionalism made the process easy for me.

Sharina Jackson recommends Builders Trust Capital Oct. 2021
Photo of Raphael Akinsete

If you are a newbie investor, I highly recommend Builders Trust Capital because your first few deals will impact your outlook on real estate investment. If you are a seasoned investor, I also recommend the company as they now offer products for both quick flips and long holds. This way you are covered in both your entry and exit strategy. As a longtime client of Builders Trust Capital I can testify that they are the real deal and there are genuinely good people behind this business.

Raphael Akinsete recommends Builders Trust Capital Oct. 2020
Photo of Kristian Latham

Just finished up my first project with the Builders Trust Capital team and wanted to share my appreciation for the good business. Success is often driven by effective relationships, and Builders Trust Capital’s partnership assisted me in strengthening my team all around. The process from beginning to end was smooth and efficient. They are a great partner to have to create opportunities for rookie and veteran investors.

Kristian Latham recommends Builders Trust Capital Aug. 2020
Photo of Timothy Rosenblum

Builders Trust Capital lives up to its name. They have truly been a partner to me with my projects. The process from underwriting to construction inspections has never wavered from their initial promise and Ive always been met with professionalism and efficiency. Rare in this space.

Timothy Rosenblum recommends Builders Trust Capital Apr. 2021
Photo of Mike Bonadies

Builders Trust Capital is an incredibly responsive and flexible lender for RE investors. They have been able to work with my unique situations and helped us close on properties no one else could. They know their local area well and can offer guidance. I highly suggest them.

Mike Bonadies recommends Builders Trust Capital Apr. 2021

Ready to discuss your funding needs?

Just contact us by phone 856-422-3232. If you prefer, send us a message and we’ll contact you shortly. Let's get started working together.

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