Minnesota Hard Money Lenders With Fast Approvals

Asset-backed hard money loans for non-owner occupied properties in Minnesota’s leading real estate markets.

Hard Money Loan Advantage For Real Estate Investors In Minnesota

Fast access to funds

In competitive markets like Minnesota, fast funding ensures that you don’t lose out on the real estate deal you have set your eyes on. Unlike banks and other conventional lenders that can take anywhere between 2-3 months for the funds to come through, hard money lenders like 14th Street Capital can make funding available to you in under 15 days, empowering you to beat other investors when making an offer on the property.

Easy eligibility criteria

You don’t have to have a perfect credit score to be eligible for a hard money loan. With asset-backed lending in which the property serves as a collateral, individual creditworthiness is not the focus of hard money lenders. With 14th Street Capital, you are eligible for a hard money loan despite having a low credit score, history of foreclosures and/or bankruptcy and being self employed.

No prepayment penalties

As hard money loans are typically short-term loans, you don’t incur penalties when you choose to pay the loan off early. Unlike conventional lending sources that levy penalty fees when you pay ahead of schedule, when you take a short term hard money loan such as a fix and flip loan, there is no prepayment penalty. This enables you to close the loan as per your timeline and kickstart your next investment project soon thereafter.

Funding for diverse real estate needs

Conventional loans are often not an option for investors looking for fixing and flipping properties for profit. Such deals are inherently perceived as risky and do not pass the stringent guidelines and norms that banks have to abide by. Hard money lenders are the best bet for investors looking to buy distressed properties to flip for profit or conduct repairs before renting them out.

Minnesota Hard Money Lending

Hard Money Loan Highlights

Why Choose 14th Street Capital For Hard Money Loans In Minnesota

Fast loan approvals

With loan approvals taking place in a matter of days and funding coming through in a matter of weeks, hard money loans from 14th Street Capital empower you to invest in the real estate deals of your choice in the state of Minnesota.

Flexible lending

First time investor or a seasoned one. Our flexible lending criteria work best in borrower’s interest when investing in Minnesota’s real estate markets. Qualify for hard money loans irrespective of past credit and employment history.

Local expertise

At 14th Street Capital, we have first hand experience of investing in the real estate markets of Minnesota. This makes our team the repository of knowledge you need to succeed at your investment.

In-house underwriting

At 14th Street Capital, we lend our own funds which allows us to have a flexible, in-house underwriting process. This accelerates the disbursement of funds for investors in the Minnesota real estate markets.

Borrower-centric process

We understand that each real estate investment is unique. This is the reason we tailor our loan offering on the basis of borrower requirements rather than following a generic templated approach when offering hard money loans.

Competitive rates

14th Street Capital offers competitive, best in market interest rates for investors in Minnesota. This enables the borrowers to maximize profits from their investments while making the most of their bucks.


The Local Advantage

As private lenders who have complete control over our own funds, loan pre-qualification takes place in a matter of hours. With 100% asset backed loans, you do not have to worry about your personal creditworthiness when applying for a hard money loan. 

No credit score checks, no income proof required. All you need is a plan for ensuring profitability of your real estate investment and down payment to showcase that you have teeth in the game, and that’s it. 

Being real estate investors ourselves, we understand the value of relationships in real estate lending. With our focus on customer service and transparent and straightforward lending process, our relationship focused approach is the secret sauce that sets us apart from other hard money lenders.

Hard Money Lending Areas We Cover In Minnesota

Wide Range of Hard Money Loan Offerings for Minnesota Real Estate Investors

Short term funding for both acquisition and rehab of properties in Minnesota.

Long term hard money loans for you to start building your rental portfolio in Minnesota.

Landlord loans for real estate investors looking to supplement their earnings with rental income.

FAQs For Choosing A Hard Money Lender In Minnesota

1. Who can opt for a hard money loan from 14th Street Capital?

14th Street Capital offers hard money loans to beginner as well as experienced real estate investors in need of rapid financing when investing in Minnesota’s real estate markets irrespective of their credit history.

3. What is the process of obtaining a hard money loan from 14th Street Capital?

Our lending process is pretty straightforward. Once you fill out the application form, our in-house underwriters analyze the property valuation and our team will then get in touch with you to discuss the loan offering. Since every real estate investment is unique, we take a tailored approach for every borrower.

5. What is the LTV amount that I can qualify for?

14th Street Capital offers 60-70 percent of the property value as the loan to value ratio.

7. What areas does 14th Street Capital lend in Minnesota?

14th Street Capital offers funding across all the major real estate markets in the state of Minnesota.

2. How soon can I close when opting for a hard money loan?

As a self funded hard money lender in Minnesota, the loan closing process is extremely fast. Loan approvals typically take place in a couple of days while the funds get released a week thereafter. It normally takes 7-10 days to close a hard money loan with 14th Street Capital.

4. What documents do I need to submit with my application?

Getting a hard money loan from 14th Street Capital requires minimal documentation. Since the loan offering is based on the property valuation, the papers pertaining to the same along with your plan for capitalizing on your investment is all that is required.

6. What is the interest rate for hard money loans from 14th Street Capital?

The interest rates for hard money loan offering is tailored for every borrower. However, our rates are among the competitive range among the hard money lenders in Minnesota.