Your Property Built
This Equity.
Put It to Work.
HardFunded turns your property's equity into cash. All you need is 50% equity — no credit minimum, no income docs, no tax returns.
What Is a Cash-Out Equity Loan?
A cash-out equity loan lets you borrow against the equity built into your real estate — the difference between what your property is worth and what you owe. The result is a lump sum of cash, yours to deploy however you choose.
Unlike conventional loans that scrutinize W-2s, tax returns, and credit scores, HardFunded's cash-out equity loans are asset-based. The only requirement is 50% equity in the property — your credit history, income, and tax filings don't factor in at all.
You have equity. We provide capital. No committees, no financial interrogation, no months of waiting.
What Borrowers Do With the Cash
No restrictions on how you use your equity. Here are the most common ways HardFunded clients put their cash-out loans to work.
Real Estate Acquisitions
Move fast on investment property, fix-and-flip deals, or rental acquisitions without waiting for a conventional approval.
Business Capital
Fuel operations, cover inventory, or fund an expansion without diluting ownership or taking on high-interest credit lines.
Debt Consolidation
Replace several high-rate obligations with a single equity-backed loan. Simplify your balance sheet and reduce total interest paid.
Renovation & Construction
Fund value-add improvements, ADU builds, or major rehab projects. Use the equity you have now to create more equity tomorrow.
Bridge Financing
Cover a timing gap between transactions — carry a new purchase while your current property sells, or bridge to permanent financing.
Estate & Legal Needs
Address partnership buyouts, divorce settlements, probate, or trust distributions on the timeline circumstances demand.
Who Qualifies?
One requirement: 50% equity in your property. That's it. No credit check, no income verification, no tax returns.
You must own at least 50% equity in the property — that's the one qualifying requirement. No other financial criteria apply.
No W-2s, pay stubs, or bank statements. Self-employed, retired, and variable-income borrowers are all welcome.
Bankruptcies, foreclosures, and past credit events do not automatically disqualify you. We evaluate the property.
We never request personal or business tax returns. Your filing history — or lack of one — has no bearing on your approval.
We lend on real estate located in the United States. Residential, commercial, and mixed-use properties all considered.
Our program serves borrowers needing meaningful capital — from smaller residential equity to high-value commercial assets.
Eligible Property Types
HardFunded works across a wide range of real estate asset classes. If it has equity, it has potential.
Loan Amounts & Terms
Structured around your situation — not a rigid product designed for the average borrower.
| Parameter | Details | Notes |
|---|---|---|
| Loan Amounts | $75,000 – $5,000,000 | Core Program |
| Equity Requirement | Minimum 50% equity in the property | Based on current appraisal or BPO |
| Loan Terms | 12 months – 3 years | Extension options available |
| Interest Type | Interest-only available | Preserves cash flow during term |
| Credit Requirement | None | No Minimum |
| Income Verification | Not required | No Docs |
| Tax Returns | Not required | Never Asked |
| Prepayment | Flexible | Inquire about prepayment options |
| Geographic Coverage | Nationwide (United States) | Most states eligible |
From Application to Funding in Days
A conventional refinance can take 45–90 days. Our equity-first process moves at the speed your opportunity demands.
Submit Your Inquiry
Share basic details about your property and target amount. No paperwork required to start.
Receive Your Term Sheet
We review the asset and issue a preliminary term sheet with loan amount, rate, and structure.
Property Valuation
A fast appraisal or BPO confirms current value. We manage this process for you.
Underwriting & Approval
Our team completes a final review. No income review. No credit committee delays.
Closing & Funding
Sign docs, record the lien, receive your funds. Capital in hand, ready to deploy.
Common Questions
Answers to what borrowers ask most before they apply.
What exactly is a cash-out equity loan?
I have bad credit. Can I still qualify?
Why don't you require income documentation?
How is the loan amount determined?
What happens to my existing mortgage?
Can I use the cash for anything?
How long does the process take?
Are there prepayment penalties?
Your Equity Is Ready.
Are You?
Find out how much you can access in minutes. All you need is 50% equity — no credit pull, no income docs, no tax returns.
Get My Cash-Out Quote →