JOHN QUINLAN · LOAN ORIGINATOR
Capital That Closes When Others Cannot.
We are a fast, flexible direct lender. We close in as little as 5–10 business days. We approve in 24 hours. We fund 100% of rehab. No appraisal. No hard credit pull. No prepayment penalty. Built for sophisticated operators — and the brokers who serve them.
Deals Funded
$18,500,000
Miami, FL
Miami, FL
$18,500,000
REFI$9,500,000
Miami, FL
Miami, FL
$9,500,000
REFI$2,700,000
Teton, WY
Teton, WY
$2,700,000
REFI$1,026,050
Lawton, OK
Lawton, OK
$1,026,050
PURCHASE$780,000
Wildwood, NJ
Wildwood, NJ
$780,000
REFI$540,000
Mundelein, IL
Mundelein, IL
$540,000
PURCHASE$371,000
Chicago, IL
Chicago, IL
$371,000
PURCHASE$285,000
Hamden, CT
Hamden, CT
$285,000
PURCHASE$276,250
Edenton, NC
Edenton, NC
$276,250
REFI$267,500
Chicago, IL
Chicago, IL
$267,500
PURCHASE$257,000
Valrico, FL
Valrico, FL
$257,000
PURCHASE$232,025
Detroit, MI
Detroit, MI
$232,025
PURCHASEOUR EDGE
Built for Speed. Designed for Scale.
No Appraisal
Skip the wait and expense of traditional appraisals
No Hard Credit Check
Protect your credit score during the process
100% Rehab Funded
Full financing for your renovation costs
Cross-Collateralization
Leverage multiple properties for better terms
5-10 Day Close
Move fast on time-sensitive deals
47 States
Active lending everywhere except AK, LA, HI
Single Family to Multifamily
From starter homes to large apartment complexes
Mixed-Use & Commercial
Retail, office, and mixed-use properties
Industrial & Warehouse
Manufacturing and distribution facilities
Ground-Up Development
New construction and development projects
$0M+
Capital Ready to Fund
0+
Deals Funded
0 States
Active Lending Footprint
7–10 Days
Close Time
THE PROCESS
From Application to Funded in Days
Day 1
Application & Docs
Property address, ID, entity docs, photos, scope of work
24 Hours
Underwriting & Approval
Plaid verification, credit screenshot, full review
Terms Issued
Review & Accept
Borrower reviews terms and signs commitment letter
~5 Days
Title Ready & Funded
Close and fund. Capital in hand.
Day 1
Application & Docs
Property address, ID, entity docs, photos, scope of work
24 Hours
Underwriting & Approval
Plaid verification, credit screenshot, full review
Terms Issued
Review & Accept
Borrower reviews terms and signs commitment letter
~5 Days
Title Ready & Funded
Close and fund. Capital in hand.
LENDING FOOTPRINT
Active in 47 States
BROKER PROGRAM
We Work With Brokers. And We Pay Them Well.
If you control the borrower, we control the capital. Co-broker any file with us and your fee is locked, your relationship protected, and your client closed in two weeks.
Paid at the Table
Broker fees wired the day of close. Never deferred, never disputed.
Your Client Stays Yours
We will not solicit your borrower for any future business. Period.
24-Hour Quotes
Send the file. We come back with terms — usually same day.
ABOUT
John Quinlan
Loan Originator · The Hard Money Co.
I've spent my career understanding what real estate operators actually need: speed, certainty, and a capital partner who picks up the phone.
At The Hard Money Co., we've built a lending platform that eliminates the friction of traditional financing. No appraisals. No hard credit pulls. No prepayment penalties. Just fast, flexible capital that closes when others can't.
Whether you're a seasoned investor scaling your portfolio or a broker looking for a reliable capital partner, I'm here to help you move faster.