Private money, without the runaround.
Private and hard money loans for real estate investors.
We're a private lender for real estate investors — fix & flips, rentals, bridge deals, new builds, and small multifamily — and a funding source for the businesses behind them. You bring the deal. If it fits our box, we fund it. If it doesn't, we'll find the lender that will. Either way, you get a straight answer.
Private lending for investment real estate · Business-purpose only · Available in most states
Ready to apply?
If you know your deal and you're ready to move, apply with us directly. Full application, real terms, straight into underwriting.
Apply for a loanWant us to look at it first?
Not sure which loan fits, or got a deal with a wrinkle? Send it through our deal form and we'll tell you straight what's possible — most of it we fund ourselves.
Submit your dealWhat we fund
If it's an investment property, we can probably fund it.
Everything we fund or arrange is business-purpose and non-owner-occupied. No primary residences — just investment real estate. Compare all loan programs.
Fix & Flip
Purchase and rehab financing for value-add projects, from cosmetic updates to full guts.
Fix & Flip loans →DSCR Rentals
Long-term rental loans qualified on the property's cash flow — purchases, rate-and-term, and cash-out refis.
DSCR Rental loans →Bridge Loans
Short-term capital to close fast, pull equity, or carry a property between strategies.
Bridge loans →BRRRR
Financing built around the buy-rehab-rent-refinance playbook, from acquisition through the refi out.
BRRRR loans →New Construction
Ground-up funding for builders and investors with a solid plan and a real budget.
Ground-Up Construction loans →Rental Portfolio
One loan across a portfolio of 1–4 unit rentals. One payment, one closing.
Rental Portfolio loans →Small Multifamily
Financing for small multifamily investment properties, structured around the deal and the numbers.
Small Multifamily / 5+ loans →Beyond real estate
Business funding, too.
Running a business that needs capital — not just a property deal? We've got that covered as well. Working capital, equipment, a line of credit to smooth out cash flow — funding can move in as little as 24 hours, and less-than-perfect credit isn't a dealbreaker.
Requirements: at least 1 year in business, $35,000+ in monthly revenue, and a 500+ FICO.
- Working capital
- Business term loans
- Lines of credit
- Equipment financing
- Revenue-based funding
- Invoice factoring
- Debt consolidation
Lending standards
The numbers, upfront.
The headline numbers for each program. Full terms — and who each loan is for — are on the program pages.
Business-purpose, non-owner-occupied only; entity borrowers (LLC or corporation) required; full recourse. Rates shown are the lowest offered and depend on borrower FICO, experience, and the deal. Points and fees vary. *Stabilized Bridge offers a no-DSCR option for properties listed for sale and a 1.10x exit-DSCR option for rent-ready properties. Not available in every state. Nothing here is a commitment to lend or an offer of specific terms; all loans subject to underwriting and approval.
Straight talk
What makes a deal fundable
We'd rather tell you the truth in five minutes than waste two weeks of your time. Here's what we look for, and what you can expect from us. Read the long version.
What we need to see
- First lien position. The lender's money is secured first — no seconds, no gap funding stacked on top.
- Real equity in the deal. You have skin in the game. 100% financing requests are a non-starter.
- Cash reserves. Enough liquidity to carry the project when things take longer than planned — because they usually do.
- A clear plan. Purchase price, rehab budget, ARV or rents, and an exit that makes sense on paper.
What you'll get from us
- A straight answer, fast. If your deal isn't fundable, we'll tell you why — and what would change that.
- Our capital or our network's. If your deal fits our lending box, we fund it. If it doesn't, we place it with a lender who wants exactly that asset type and market.
- Every fee in writing, upfront. You'll see all points and fees in writing and sign off before anything moves forward. No surprises at the closing table.
- A long-term funding partner. We're building relationships, not chasing one-off closings.
How it works
Three steps between you and a term sheet
Submit your deal
Apply through our lending portal, or fill out our deal submission form — either takes about five minutes. The more detail you give us, the faster we can move.
We size it up
If it fits our lending box, we move straight toward terms. If it doesn't, we package it and put it in front of the network lenders best suited for it.
You get real terms
We bring you actual terms — rate, leverage, points, timeline — and walk you through them so you can decide with clear eyes.
About us
The story behind the moose
Moose's Money exists because too many investors were getting bounced between lenders who ghosted them, quoted terms that changed at the closing table, or strung them along on deals that were never going to fund.
We fund deals that fit our box, and for everything else we've built a network of private lenders we trust. We invest in real estate ourselves, so we know exactly what it feels like to be on your side of the table waiting for an answer.
— Moose's MoneyOwatonna, Minnesota · Meet the team behind the moose
Questions
Straight answers to common questions
The stuff investors ask us most.
Do you lend on primary residences?
How fast can you close?
What states do you lend in?
Do I need previous experience?
What credit score do I need?
Referral partners
Know someone who needs money? Send them over.
Agents, wholesalers, contractors, CPAs, title reps — if investors and business owners cross your desk, you're sitting on deals you can't use. Introduce them to us and we split our share of the origination fee with you 50/50 on every deal that funds, paid by ACH the week it closes. You never touch the loan file.
See how the partner program worksNot ready for a full application? Send us the deal.
Fill out the Moose's Money Deal Submission Form and we'll take a look. You'll hear back from a real person — not an auto-responder — with a straight answer.
Takes about five minutes. Prefer email? Reach us at mark@moosesmoney.com