Hard Money Loans Tennessee

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity

High LTV

We fund loans up to 80-90% LTV with no issues.


We promise to treat you like a partner.

No $ Limit

No limits on what we can do for you.

Recently Funded Projects

Residential Refinance
Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

8.99 %
100% Funded!
Residential Investment
Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

11 %
100% Funded!
Residential Investment
Residential Investment

Property in New York was torn down, and redeveloped. We provided a 60% LTV loan for $700k. We charged no upfront fees, and had a balloon payment after 10 months.

9.0 %
100% Funded!

Hear from people we’ve helped

“Delancey Street makes lending easy. They took a chance on me when no one else would.”

- Leo kovacz

Industries We Service

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Finding a loan with the help of traditional lender can be a real headache, especially once you’ve got a poor credit history. With a very low credit score, it might take you weeks or months to be qualified for mortgage loan. It doesn’t matter that you need the money now – nothing changes the timelines. Hard money lenders, on the other hand, think about the collateral you’re giving as opposed to your financial capability to pay the loan back. Hard money loans are usually meant to help companies, entrepreneurs, and individuals, who need help with funding or purchase a commercial building/land/residential home. In the event you neglect to repay the funds lent to you, the the private lender who gave you the money will take possession of the collateral and sell it to regain their funds.

Tennessee hard money loans are suitable and valuable to investors that wish to renovate or improve a property property prior to flipping it at a higher cost. Real estate investors can then use the profit and repay the borrowed cash in a brief period of time. Tennessee hard money loans, like any other financial instrument, come with their benefits and pitfalls.

The info below discusses a few of the advantages and disadvantages of hard money loans.

Tennessee hard money loans have short approval timelines

Tennessee hard money lenders aren’t concerned about your credit score. Hard money lenders are only worried about the collateral(in most cases, the property) and will process your loan fast if if you can prove the value of your collateral. It’s very important to be aware that hard money lenders aren’t always interested in taking ownership of your house. They’re able to move quickly because they spend less time checking your income, bank statement, along with other specifics that traditional lenders care about. Hard money lenders exclusively care about the potential value of your property, and how much it will sell for/be worth after repairs are done.


Contrary to standard loans, hard money loans arrangements and provisions are flexible. Rather than dealing with a huge corporation, you’ll be speaking to an individual/private lender who’s prepared to assist you in creating the ideal repayment program. They don’t follow adhere to set standardized guidelines when setting up your loan repayment schedule.


In regards to borrowing a hard money loan, the creditor is more concentrated on security. If you would like to invest in property, the lender will provide you a loan value as much as the home. In the event you have other financial assets to put up as collateral, the bank will also consider its worth before approving your loan.

In case you have any difficulties with your credit history, then it won’t be that significant. Some lenders do not even look at your credit score.

In terms of loan-to-value ratios, hard money lenders keep them to the minimum with the maximum being between 50 and 70 percent. They do so to increase their chances of getting their money back, in the event they have to sell your home/property – because you didn’t repay the loan.


It is possible to apply and receive a hard money loan in a matter of days. This is valuable, particularly to borrowers looking to purchase investment properties. Conventional loans demand a much longer procedure and require the time to be accepted.

Disadvantages of Tennessee Hard Money Loans

Repayment period

Contrary to traditional loans that require longer to be compensated, hard money loans are a short term lending instrument. This usually means that you will need to pay back the loan in the shortest period possible. Because of the high interest rates, and the fact most hard money lenders want their money back within a shorter period – it’s critical you repay the loan as soon as possible. If you don’t fulfill this condition, the lending institution take possession of your property and sell it recoup their losses.

Increased expenses

Compared to traditional loans, hard money loans tend to be more expensive. In addition to the loan origination, you’ll also pay closing and servicing expenses. Should you take a hard money loan a loan, it can cost you 10 percent more than it might have on the standard loans. Obviously, hard money loans are much convenient.

The rate of interest for repaying the hard money loan can also be high because the creditors are facing greater risks when lending you the loan. The interest rates generally range between 9 and 14 percent.

Requirement of Equity

Before giving you a hard money loan, lenders ask that you provide a deposit of around 25-30 percent. This can be supposed to function as an incentive to motivate you to adhere to the arrangement. This is only because they attempt as far as possible to help keep you thinking about paying their money back. Additionally, it assists the creditor to tie you to the contract even once you realize you’re making a loss.

Before committing to a hard money loan, you must first assess all of the available lenders, their prices, and requirements. It’s also wise to think about the advantages and disadvantages of hard money loans before applying for one.

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Service Type
Ventura County Hard Money Lenders
Ventura County Hard Money Lenders
Ventura County Hard Money Lenders

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