New York & New Jersey · From Developers, For Developers

CAPITAL
THAT
CLOSES.

Rock Hard Money

Ground-up construction and bridge loans for serious builders. No fluff. No committees. No excuses. We've built it ourselves — we know what it takes.

Get a Term Sheet View Loan Programs
Max LTC
85%
Starting Rate
10.99%
Max Term
24 MO
States
NY & NJ
Get Your Term Sheet
Submit your deal — we respond within 1 business day.
No commitment required. We typically respond within 1 business day.
Loan Programs

BUILT FOR
BUILDERS.

We lend on the deals other lenders walk away from — ground-up new construction, heavy gut rehab, and acquisition bridge loans across New York and New Jersey.

🏗
Ground Up Construction
Improved land with existing structure. Maximum leverage, competitive pricing, draw-based funding through completion.
Rate10.99%
Origination (12mo)1.50%
Max Blended LTC85%
Max Acq LTV75%
Max Loan-to-ARV70%
Terms12, 18, or 24 mo
🏚
Raw Land Construction
Vacant lot with no existing structure. Higher origination reflects increased risk — serious developers only.
Rate11.99%
Origination (12mo)2.00%
Max Blended LTC80%
Max Acq LTV60%
Max Loan-to-ARV60%
Terms12, 18, or 24 mo
🌉
Bridge / Acquisition
Need to move fast on a purchase? Acquisition-only bridge loans to lock up the property while you finalize construction financing.
RateFrom 10.99%
Max LTV75%
Terms12 months
PrepaymentNone
RecourseFull — personal guarantee
StatesNY & NJ
Origination increases with term length: +0.75 pts per 6 months. Pre-book extensions at closing and save 0.25 pts vs. booking after the loan starts.
Get Quoted
How It Works

FROM TERM
SHEET TO
CLOSED.

01

Submit your deal

Fill out the form above. Address, purchase price, construction budget, ARV. That's all we need to start.

02

Receive a term sheet

We'll have a non-binding term sheet back to you fast. No weeks of back-and-forth. We know what we're lending on.

03

Underwriting & approval

Deposit locks the deal. We order the appraisal, review the budget, and move through underwriting efficiently.

04

Close & build

We close. You build. Draw requests are processed fast — we don't hold up your construction schedule.

Borrower Requirements

▸
Minimum 680 FICO — all guarantors on the loan
▸
5+ completed projects — ground-up or rehab experience required equal to current project
▸
Approved GC on file — required for all construction and rehab loans (can self perform)
▸
9 months liquidity — verified reserves equal to 9 months of fully drawn debt service
▸
Full recourse — personal guarantee required on all loans
▸
ACH payment setup — required at closing; $500 fee if cancelled post-close
▸
NY or NJ property — we lend in New York and New Jersey only
Draws funded against completed work. Inspector fee: $300/unit per draw, netted against proceeds.
Why Rock Hard Money

WE'VE BEEN ON
YOUR SIDE OF
THE TABLE.

🏠
Operator-Backed
We're active developers ourselves. We've borrowed on ground-up construction deals, managed draws, and dealt with GCs. We know what a real deal looks like.
⚡
Fast Decisions
No committees, no weeks of silence. You'll hear back with a term sheet fast. If it doesn't work, we'll tell you that fast too.
📋
Transparent Pricing
Every fee is on the term sheet before you commit. No surprises at closing. What we quote is what you pay.
🔩
Construction-Focused
We specialize in ground-up and heavy rehab — not rentals, not stabilized assets. This is all we do, so we do it well.