Hard Money Loans
Unlock Opportunities with Hard Money Loans
At Teddy Pendergrass Capital, we empower real estate investors to move quickly and confidently with Hard Money Loans—a fast, flexible financing solution designed for time-sensitive opportunities. Whether you're tackling a fix-and-flip, acquiring a rental property, or funding a construction project, our asset-based lending approach helps you seize the moment. Unlike traditional loans that focus heavily on credit scores and lengthy approval processes, hard money loans are backed by the value of the property itself. This allows for quicker approvals, faster funding, and less red tape—so you can focus on what matters: building wealth through real estate. USDA loans offer some of the most competitive interest rates on the market, making homeownership more accessible and sustainable. Whether you’re a first-time buyer or simply looking for a fresh start away from the city, our team guides you through each step with expertise and care—ensuring a smooth process from application to closing.
Flexible Terms for Visionary Investors
Every investment is different—and so are your financial needs. Whether you need short-term bridge financing or a custom solution for a unique project, we tailor hard money loan terms to fit your goals and timeline.
Our team works closely with you to understand your project’s potential and risk profile. That way, you get flexible structures, interest-only options, and terms that match your strategy—because cookie-cutter lending just doesn’t cut it in today’s market.
Funding Based on Potential, Not Paperwork
Traditional banks care about your credit. We care about your opportunity. Our hard money loans are underwritten primarily on the value and viability of the property, not just your financial history.
If you’ve found a promising deal but can’t wait 60 days for a conventional loan approval, we’re here to help. Even if you’ve been turned away elsewhere, Teddy Pendergrass Capital sees your vision—and we’re ready to fund it.
Your Trusted Partner in Property Investment
With Teddy Pendergrass Capital, you’re not just getting a loan—you’re gaining a partner who understands the real estate game. Our experienced loan consultants offer more than funding: we offer insight, transparency, and a true commitment to your success.
From your initial application to your project’s completion, we walk with you every step of the way. Our goal? To help you grow your portfolio, scale your business, and build a legacy—one property at a time.
Real Returns, Real Fast
Hard money loans are designed to help you move quickly and profit smartly. With faster closings, simpler requirements, and asset-based lending, you can flip, refinance, or rent with fewer barriers and bigger potential returns.
At Teddy Pendergrass Capital, we make financing a powerful tool in your investment arsenal. Whether it’s your first flip or your tenth acquisition, we’ll help you fund it, finish it, and profit from it.
Let me know if you’d like versions for other loan types too—like Fix and Flip Loans, Bridge Loans, or Rental Property Loans—in this same format and voice.
