Hard Money vs Private Money
Same asset-based idea, different source and flexibility.
The terms overlap and are often used interchangeably. Both are asset-based loans secured by the property rather than your personal income, and both are faster and more flexible than a bank. The practical difference is the source: hard money typically comes from a lending company with structured programs, while private money comes from an individual or a fund and can be more negotiable, deal by deal.
If you want consistent, repeatable terms you can plan around, a hard money program is ideal. If your deal is unusual and needs a custom structure, private money's flexibility can be the difference. On our bridge and fix and flip programs, USAM does both as a direct lender, our own capital, our own decisions.
Rates and terms shown are typical figures, subject to underwriting and market conditions. Not a commitment to lend.
Common questions
Still not sure which fits?
Tell us about your deal and we'll point you to the right structure. No obligation.