Hard money loan rates today

Published rates we verified on lenders' own pages. Data updated 2026-11-01 (UTC). These are advertised figures, not quotes.

Lender	Published rate	Status	Checked	Source
Lima One Capital	7.25%+ (starting)	Verified	2026-11-01	Source
Kiavi	8.25%+ (starting)	Verified	2026-11-01	Source
We Lend	8.50% – 9.99%	Verified	2026-11-01	Source
Easy Street Capital	8.90%+ (starting)	Verified	2026-11-01	Source
Jaken Finance Group	8.99% – 13.50%	Stale source	2026-11-01	Source
Groundfloor	9.00%+ (starting)	Verified	2026-11-01	Source
Xoan Capital	9.15%+ (starting)	Verified	2026-11-01	Source
RCN Capital	9.49%+ (starting)	Verified	2026-11-01	Source
Silt Capital	9.50%+ (starting)	Verified	2026-11-01	Source

See the full tracker, including lenders we haven't verified yet →

What actually sets your rate

Experience: number of completed flips in the last 2–3 years is usually the biggest lever.
Leverage: loan-to-cost and loan-to-ARV. Borrowing 90% of purchase usually costs more than 80%.
Credit and liquidity: many lenders tier by credit score and cash reserves.
Points and fees: a lower rate with 3 points can cost more than a higher rate with 1 point on a short hold.
Term and draws: ask whether interest is charged on the full rehab budget or only on funds drawn.

Common questions

What are hard money loan rates today?

Among the lenders we could verify on 2026-11-01, the lowest published starting rate was 7.25%. Starting rates go to the strongest borrowers; most quotes come in higher.

Why is my quote higher than the advertised rate?

Advertised 'starting at' rates usually assume several completed flips, strong credit, and low leverage. Less experience, higher loan-to-cost, or a weaker property usually means a higher rate or more points.

Do points matter as much as the rate?

Often more on a short loan. On a 6-month loan, 1 point costs about as much as 2% of annual interest. Compare total cost, not just the rate.

Plug any of these rates into the flip profit calculator to see what they do to your profit.