Our Loan Programs are Tailored to Your Needs

Fast Closing

Traditional mortgages can take several months to close.
We can do it in 2 to 4 weeks

Low Rates

Rates start from 7%
With no upfront cost and minimal documentation.

We Provide High LTV's

Get up to 75% of the purchase price.
And 100% of renovation costs.


GoKapital has been rated among the top Private Hard Money Lenders in the country. Specializing in helping seasoned and beginner real estate
investors by providing short-term mortgage solutions to acquire fix and flips, rental properties, rehab, or refinance commercial properties
all across the United States.

Eligible Properties for GoKapital’s

Hard Money Loans

Single Family

1-4 unit non-owner occupied

Multi Family

5+ Units

Mixed Use

Retail plus apartments


And Restaurants


Apartment Buildings


And industrial properties


And other special use properties

No primary residences

Vacant land, or rural properties.

What Do I Need To Qualify For a Hard Money Loan?

The first thing you’d need to get approved for a Hard Money loan is to have at least 25% to 40% down payment in the case of a purchase, or substantial equity in the property if you’re looking for a cash-out refinance.

The higher the down payment or property equity you have, the more likely you will be approved. We will also look at your credit score and cash reserves. We look at this to assess if you can make payments on time and pay for other costs like taxes, insurance, etc. Last but not least, we will look at the borrower’s experience in real estate.

If this is the first time that the borrower is going to finance investment real estate, he or she might face more scrutiny than a borrower with years of experience in these types of deals.

Working with Fix and Flip lenders like GoKapital is a straightforward process tailored for investors.

Just contact us with the answers to these questions and we will give you a quick estimate:

  1. Property address?
  2. Property type?
  3. If purchase, what is the purchase price and down payment available?
  4. If refinance, what is the estimated value? And what is the amount owed?
  5. Closing under entity (LLC or Inc) or personal name?
  6. Amount of liquid assets available?
  7. How many investment properties have been owned by the borrower in the last 36 months?
  8. What is the estimated credit score?
  9. Is the property generating income?
  10. Rate and term expectations?

We Provide Competitive Non-bank Lending Options

We provide competitive non-bank lending options for commercial real estate and residential rental properties.

  • Loan Amount: $100,000 – $50,000,000
  • Terms: 12 months to 30 years
  • LTV: up to 75%
  • Amortization:  Up to 30 years
  • Interest Rate: Starting at 7%
  • Foreign nationals qualify
  • Low Credit and tax issues: are not a problem
  • Payments: Interest-only monthly payments, or fully amortized periods
  • Closing time: 2 to 4 Weeks
  • Rehab Costs: Up 100%
  • Lien position: First only
  • States Available: All 50 U.S. States
Hard Money Lenders

Contact us to learn how Gokapital can help you get the financing needed to expand your property investment portfolio

Or speak to a loan advisor at 866-257-2973 or visit our office in Miami.

Hard Money Calculator

Hard Money Loan Calculator

  • Hard Money LendersInterest Rates Starting at 7%
  • Hard Money LendersLTVs up to 85%
  • Hard Money LendersQuick Closings & Minimal Docs
  • Hard Money LendersMinimum Property Value of $150K
  • Hard Money LendersAll 50 States
$100,000 $5,000,000
7% 14%
1 Years 5 Years

How Does A Hard Money Loan Work?

A hard money loan works as an asset-based loan, meaning that while hard money lenders take into consideration the investor’s credit score, this is not a crucial factor in determining his or her eligibility. Instead, lenders require that you use real estate property as collateral.

They use the price of the property to calculate the risk of the loan and the Loan to Value (LTV). On the other hand, real estate developers, investors, and flippers use hard money to get the required funds to close time-sensitive deals where they can get a property at a low price, flip (fix) it, raise the value of the property and then sell or rent at a profit.

The main reason real estate investors choose to apply for a hard money loan is that private lenders can fund the deal within a week–or less if the borrower meets all the qualifications.

HML’s work great on short-term flips and rehabs, or for first-time purchases, yet on longer-term investments, HML’s are not the best idea.

Hard money loans also work similarly to bridge loans. They both have similar criteria for lending. Bridge loans are solely for buying real estate properties or investment properties that don’t qualify for traditional lending programs. A bridge loan can also be used as a down payment for a new home when the buyer hasn’t sold their current house yet.

Bridge loans can be issued by traditional and private lenders, and HMLs are only issued by private lenders, like GoKapital.

Hard money loans also work similarly to bridge loans

If you want to learn more on how to get a fix and flip or hard money loan, call us we would love to answer your questions.

We Can Custom-Structure Your Loan To Best Fit Your Needs.

True Professionals Who Realize Your Success Is Our Success

Hard Money Lenders

Required Documents

For A Purchase
  • Signed 1003 Real Estate Loan Application
  • 4 months of Business and/or Personal Bank Statements
  • Copy of Credit Report (All Pages) – Available for free via CreditKarma
  • Copy of purchase agreement (If available)
  • Copy of appraisal (If available)
  • Scope of Work or Budget Schedule (if requesting rehab/renovation funds)
  • Rent Roll if you have multiple income-producing units (If applicable)

Required Documents

For A Refinance
  • Signed 1003 Real Estate Loan Application
  • 4 months of Business and/or Personal Bank Statements
  • Copy of Credit Report (All Pages) – Available for free via CreditKarma
  • Copy of recent mortgage statement (if there is an existing balance)
  • Copy of appraisal (If available)
  • Rent Roll if you have multiple income-producing units (If applicable)

If you have questions about this process call our office and/or review this guide: Reasons to Refinance Your Rental Investment Property

Hard Money LendersBorrower Parameters:

A borrower seeking a hard money loan must meet the following generally stated requirements. Specific minimum requirements are set following our receipt of a loan application.

  • Borrowing entitles are ideally LLCs or Corporations
  • Reasonable existing income reflected in bank statements
  • Reasonable cash reserves reflected in bank statements
  • A credit score of 550 or better (exceptions apply)
  • Ability to perform an exit strategy may be needed

Hard Money LendersWhat is a Hard Money Loan?

A hard money loan (HML) is a short-term financing solution, issued by private lenders, that allows real estate investors to obtain capital fast to develop, flip, or own properties directly.

A hard money loan is secured by the value of the subject real estate property, not by the borrower’s credit score. That’s how hard money lenders protect themselves against default by the borrower. Therefore these short-term or bridge loans can be obtained rather quickly. “Hard money” is a term used mostly in the U.S. and Canada where this kind of loan is common.  Fix and flip or rehab loans are just like hard money lending.

Unlike a traditional mortgage, hard money loans are not issued by traditional banks. This type of loan is only issued by private investors.

GoKapital, A Hard Money Lender That Will Work For You

GoKapital is a private mortgage lender specialized in hard money loans for fixing and flipping houses.  We provide competitive non-bank lending options for commercial real estate and residential rental properties.

We make Commercial Real Estate transactions happen smoothly. Our comprehensive lineup of commercial real estate loans offers solutions for self-employed borrowers that are thinking about purchasing a building, getting working capital through the equity on a property, or refinance their present commercial mortgage. 

We lend across all 50 states with private loans that range from $100,000 to $50,000,000 on all types of real estate properties. New investors are always welcomed, learn how to finance a house flip by calling us.

If you have a 20% to 40 percent down payment available, and a 550 or higher credit score, then you need to contact and speak with one of our finance professionals today.

Our underwriting process is fast. We can close and fund deals in as little as two to four weeks.

If you are interested in residential real estate investment properties, either by flipping and fixing houses, buying properties, and renting them, or cash-out refinance on a non-owner-occupied property, we offer a variety of solutions for you.

Our approvals are easy to secure, and our closings are quick.  To obtain a letter of intent (LOI) or term sheet we just need a handful of documents, call us today for more information.

We approve quickly with minimum documentation.

  • Competitive rates
  • Easy process
  • All 50 states
  • Flexible underwriting
  • Purchase or Cash-Out refinances
  • Many property types eligible
  • Foreign Nationals Qualify
  • Tax issues are Ok
  • Quick closing

GoKapital is one of Florida's top Hard Money Lenders

Hard Money Frequently Asked Questions

Q. How do I apply for a hard money loan?

A. Fill out our application loan and a loan officer will contact you within the next 24 business hours.

Q. Do you lend for primary homes?

A. No, we only lend for residential investment properties.

Q. How do you determine the rates?

A. Each case is unique and is evaluated individually based on the property type, cash flow of the property, your credit history, etc… Fill out our application form for a free quote.

Q. Can you fund a client with tax liens?

A. Yes, we can fund your clients with tax liens. We understand tax liens and have closed multiple transactions with tax issues.

Q. Do you do second mortgages?

A. Not at this moment. Only first mortgages.

Q. How do you value a property?

  • We assess the general market value of the property based on a number of factors, including: comparable sales, condition of the property, renovation that’s taken place, location, type of property, and a number of other criteria.

Q. What property types do you lend on?

Single Family, multi-family, mixed-use, retail, office buildings, hospitality, self-storage, apartment buildings, warehouse, we don’t finance owner-occupied residential rehab projects.

Q. Upfront fees?

A. Not at all. All we need to start is a filled application form.

Q. How do you calculate LTV?

A. Based on the value that GoKapital determines we lend up to a maximum Loan to Value ratio of 80%. For example, if the property is worth 1 million, the loan amount could be 800,000.

Q. What areas do you serve?

A. We lend in all 50 states. We are based in Florida and we serve all major cities in the state of Florida: Miami, Orlando, Tallahaseee, Tampa, Jupiter, Jacksonville, Naples, Fort lauderdale, Pensacola, St. Petersburg, Clearwater, west palm beach, Key West, Boca raton, Coral gables.

Q. Why Us?

A. We have an A+ rating with the BBB and have been cataloged as one of the top fix and flip lenders.

Q. Where is GoKapital located?

A. Our offices are located at 2150 Coral Way Suite 1, Miami, Florida 33145, United States.

Partner with GoKapital and Close More Deals

– Commercial Mortgage Broker
Earn more commission by helping your clients get access to our direct private funding.  Your clients will be in good hands working with one of the best hard money lenders in the nation.

– Real Estate Agents
When banks say no, we say yes! Help your clients close on their real estate investments faster.

– Affiliate Partners
Refer deals to GoKapital and increase your monthly income by offering non-owner occupied and commercial real estate loans
Become a Partner Today!

– Broker’s FAQs on Hard Money Loans?
Q. How do brokers get paid?

A. Our brokers get paid a percentage based on the total loan amount that gets funded on a loan they referred to us. To learn more about our Broker Referral program, please visit our Broker Partners Page or call our office.

Making Hard Money Fast And Easy


We’re here to help. Send us an email or call our experts at 1-866-257-2973