Capital That
Closes Fast.
Direct hard money lending built for operators who move quickly. Close in 5–10 days. 100% rehab funded. No appraisal. No hard credit pull. No prepayment penalty. Active in 47 states.
$100M+
Capital Ready
1,000+
Deals Funded
5–10 Days
Close Time
The THMC Edge
Built for Speed.
Designed for Scale.
Every feature of our platform is engineered to remove friction and get deals closed.
No Appraisal
Skip the wait and expense of traditional appraisals
No Hard Credit Check
Protect your credit score during the process
100% Rehab Funded
Full financing for your renovation costs
Cross-Collateralization
Leverage multiple properties for better terms
5-10 Day Close
Move fast on time-sensitive deals
47 States
Active lending everywhere except AK, LA, HI
Single Family to Multifamily
From starter homes to large apartment complexes
Mixed-Use & Commercial
Retail, office, and mixed-use properties
Industrial & Warehouse
Manufacturing and distribution facilities
Ground-Up Development
New construction and development projects
The Process
From Application to Funded in Days.
Application & Docs
Property address, ID, entity docs, photos, scope of work
Underwriting & Approval
Plaid verification, credit screenshot, full review
Review & Accept
Borrower reviews terms and signs commitment letter
Title Ready & Funded
Close and fund. Capital in hand.
Lending Footprint
Active in 48 States
We lend everywhere except Louisiana and Hawaii.
Broker Program
We Work With Brokers.
And We Pay Them Well.
If you control the borrower, we control the capital. Co-broker any file with us and your fee is locked, your relationship protected, and your client closed in two weeks.
Submit a Broker FilePaid at the Table
Broker fees wired the day of close. Never deferred, never disputed.
Your Client Stays Yours
We will not solicit your borrower for any future business. Period.
24-Hour Quotes
Send the file. We come back with terms — usually same day.
About
Emma Kettering
Director of Sales · The Hard Money Co.
I'm building a high-performing origination team at The Hard Money Co. — recruiting and developing Loan Originators, managing investor relationships, driving pipeline accountability, and working directly with underwriting to move deals forward.
Before lending, I built my analytical foundation at Deloitte in Audit & Assurance, focused on SaaS and Financial Services. I hold a Master's in Applied Economics and Finance, with an undergraduate background in Economics, Accounting, and IT Management.
Ready to move on a deal?
Reach out directly — I respond fast.