Fast, flexible funding for real estate investors and business owners with competitive rates starting at 7.5% and LTV up to 75%. Over $250M in loans funded since 2020, serving 800+ satisfied clients with closings in as little as 7 days.
Our Specialized Loan Programs
Investment Property
Fix and Flip, New Construction, DSCR
Commercial Real Estate
Mixed-Use, Commercial Properties
Land & Specialized
Land, Development, Mobile Home Parks
Business Financing
SBA Loans, Equipment Financing
Our diverse portfolio of lending solutions is tailored to meet the unique needs of investors and business owners across various sectors of real estate and commercial ventures.
Zero Down Fix and Flip Financing
Find Your Property
Locate a promising fix and flip opportunity in one of our eligible states.
Quick Application
Complete our streamlined application process with minimal paperwork.
Zero Down Funding
Get 100% financing with no money down in AL, AK, GA, IN, MO, NM, OH, TN, or TX.
Maximize Profits
Complete your renovation and sell for profit without tying up your capital.
Our revolutionary No Money Down program for fix and flip properties in select states helps investors leverage their expertise without depleting cash reserves.
Why Choose Our Hard Money Solutions
Speed to Close
While traditional lenders take 30-45 days, our streamlined process delivers funding in as little as 7 days, helping you secure time-sensitive deals and outpace competitors.
Flexible Underwriting
We focus on property value and project potential rather than perfect credit scores, allowing approval for deals that conventional lenders would reject.
Experienced Team
Our lending specialists understand investment strategies, providing valuable insights and structuring loans that align with your specific investment goals.
FAQ
What Is a Hard Money Loan? A specialized form of asset-based financing secured by real estate collateral, designed for investors requiring expedited capital access. These loans prioritize property value over borrower credit, making them ideal for time-sensitive investment opportunities. What Are Your Typical Loan Terms? Our customizable loan terms are structured to match your specific investment strategy, typically including: Loan amounts from $100,000 minimum to $50M+ Loan-to-Value (LTV) ratios up to 75% Flexible terms ranging from 6-24 months No pre-payment penalties on most financing options Can New Investors Apply? Absolutely! We specialize in serving investors at every experience level, from first-time property flippers to seasoned portfolio developers. Our team provides personalized guidance, strategic insights, and flexible funding solutions tailored to your investment objectives and experience. Is Funding Available In All 50 States? Yes, we offer comprehensive nationwide coverage with funding capabilities in all 50 states. Our extensive lending network allows us to accommodate projects across diverse real estate markets throughout the United States, with specialized expertise in high-growth regions.
Hello, My name is Sonya
I'm dedicated to helping you achieve your real estate investment goals with personalized solutions and expert guidance. Whether you're a first-time investor or seasoned professional, I'm here to support your journey to financial success. Contact me today, and I'll respond promptly to discuss how we can turn your investment vision into reality!
Ways to Connect
hello@sonyacapitalsolutions.com
Phone
(205) 203-8621
@fundedbysonya
Hard Money & Commercial Lending Solutions