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Quick Local Real Estate Loans

Fast, Flexible, Competitive Hard Money Loans For New Jersey Real Estate Investors

Hard Money Loans for NJ Real Estate Investors | Heartland Equity Funding
Fix and Flip

Renovate, rehab and resell your property

  • Get up to $2,500,000
  • Interest rates from 8%
  • Advanced Rate on Rehab 100%
  • Up to 75% ARV
New Construction

Finance new construction of investment property

  • Get up to $2,500,000
  • Interest rates from 4.99%
  • Advanced Rate on Construction 100%
  • Up to 75% ARV

Start or expand your rental investment portfolio

  • Get up to $3,000,000
  • Interest rates from 3.75%
  • Up to 80% LTV
  • Portfolio loans up to $6.25M

Short term refinance with optional cash out

  • Get up to $3,000,000
  • Interest rates from 6.99%
  • Up to 80% LTV
  • Cash Out available

Welcome to Heartland Equity Funding

Heartland Equity Funding provides hard money loans to help New Jersey real estate investors and landlords buy and repair investment properties.

Our hard money loans are a convenient alternative to conventional lending. With fast access to capital, quick approvals, competitive rates, and exceptional customer service, Heartland Equity Funding is the company to call when you're ready to purchase and repair an investment property.

What Is A Hard Money Loan?

Hard money loans (also known as bridge loans, flip loans, or rehab loans) are a type of financing available for real estate investors that need funding to buy and repair investment properties which will then be sold or rented.

How Are Hard Money Loans Different From Traditional Loans?

Real estate investors can use them to buy and repair distressed properties.
They close more quickly than other types of loans.
They're based on a property's future value, not current value.

Hard money loans don't need to conform to the usual underwriting requirements. This means that real estate investors can use them to purchase distressed properties, as well as repair them, something that many traditional lenders don't fund.

Because there are no rigid underwriting requirements, hard money loans usually close much more quickly than other types of loans, which is vital when you need to work fast to secure a competitive deal.

Unlike conventional loans, which focus on on the investor's credit-worthiness as well as the property's current "as is" value, hard money loans are based on a property's future value, after the repairs are completed. This means that an investor can utilize hard money to finance a property as if they were paying cash.

Heartland Equity Funding - Your New Jersey Hard Money Funding Solution

For all these reasons and more, hard money loans are the preferred method of funding for savvy New Jersey real estate investors. And Heartland Equity Funding is the hard money lender that can make it happen. Whether you need a loan for House Flipping, New Construction, Rental Property Renovations, or Refinancing, Heartland has you covered!

The Advantages of a Hard Money Loan

Time is everything when it comes to real estate. Waiting around for funding could be the difference in whether or not you acquire a prime piece of property.

If you've grown tired of waiting weeks for a bank to approve your loan, or you simply want more flexibility with your lending options, a hard money loan is the perfect solution for your investment opportunity.

Here are the Pros of Hard Money Loans:

This is how it all works to your advantage.


When using a hard money lender, you are working directly with your money lender. At Heartland Equity, we are on speed dial whenever you need us. Having that kind of access to your lender is typically unheard of in the banking industry. Asset-based lending can help you secure the property of your dreams in record time thanks to our incredibly fast response time.


Another big bonus of working with a hard money lender is the speed of the transaction. Because you are working directly with a private lender, our approval and loan processing are both incredibly quick. You can close on a deal within days, or even hours if the situation is right! Our focus is getting you the deal so you can move onto the next big project.


Time is money in the real estate world; especially when it comes to commercial investment properties. Don't wait around for banks. Those down times may end up causing you to lose the deal! With less red tape and paperwork, a hard money loan process is much less stressful for everyone involved in the transaction. Working with collateral gives us more flexibility, which gives you more opportunities for investments.

If you're still unsure of the benefits of hard money loans, let's talk!

The world of real estate investing is changing. Traditional bank loans are no longer the only option you have when it comes to financing your next project. Call today and connect with Vince directly to find out what options are available, at 1-800-733-0323.

The Heartland Difference

Learn More about Heartland Equity Funding, Inc., and why we are the hard money lender to call for your New Jersey real estate investment loan needs.

Fast Hard Money Loans in New Jersey
Quick closings in 2 weeks or less. We strive to get your deal closed and funded as quickly as possible.
Simple Hard Money Loans in New Jersey
Complete the prequalification process in 10 minutes or less. No bank statements or tax returns required!
Reliable Hard Money Loans in New Jersey
We are there for you every step of the way, providing exceptional customer service.
Lnowledgeable Hard Money Lenders in New Jersey
With 25 years in the business, we have the experience necessary to get your loan processed efficiently.
Committed Hard Money Lenders in New Jersey
Our goal is to provide you with fast, easy funding so you can get back to what really matters.
Valuable Hard Money Loans in New Jersey
When you need funding NOW, count on Heartland Equity Funding for valuable service.
“I had the most amazing experience with Heartland Equity Funding. They were very informative and helpful throughout the whole process. Vince was always available to answer any questions I may have had. I can't wait to close my next 50 deals with them!!!
— T. Manzella

“Purchasing real estate and renovation work on homes is stressful, but Heartland Equity Funding made it less so. If you need money for any of your projects, you will not be disappointed at any stage from beginning to completion with Heartland.”
— K. Z.

“I will never use another lender again. Heartland Equity Funding was fantastic. I have used other hard money guys in the past but these guys gave me personalized service that I've never received before. Highly recommended if you need funding quickly!”
— P. Chahwala
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Serving New Jersey

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