Hard Money vs Bank Loans – What Every Investor Needs to Know
When it comes to funding real estate deals, not all loans are created equal.
For investors, the choice between hard money and traditional bank financing can determine whether a deal gets done—or dies in underwriting.
Here’s a breakdown of how the two stack up:
🏦 Bank Loans:
– Require W2 income, tax returns, and a high credit score
– Can take 30+ days to close
– Often need appraisals and committee approvals
– Lowest interest rates, but highest friction
⚔️ Hard Money Loans (like SLA Capital):
– No income docs required
– Close in as little as 3–7 days
– Focus on the deal, not the borrower
– Higher interest rates, but unbeatable speed and flexibility
So which is right for you?
If you’re flipping properties, building new, or operating without a W2 job, hard money wins—every time.
At SLA Capital, we fund fix & flip, DSCR, and new construction deals fast—with no red tape and investor-first terms.
✅ Loans from $55K to $2M+
✅ Close in as little as 72 hours
✅ Transparent terms. Real people.
Common Questions
Q: Can I get funded on my first deal?
Yes. If the numbers are solid, we’ll make it happen.
Q: What if my deal is out-of-state?
We lend nationwide.
Q: Do you require a personal guarantee?
Yes. We underwrite deals, but we want borrowers who are serious.
🛡️ Ready to fund your next deal the fast way?
📲 Apply now at slacapital.com
