Local. Private. Trusted. At The Hard Money Co., we provide dependable financing solutions for real estate investors across Kentucky, helping you invest with confidence from Louisville to the scenic Bluegrass region.
Whether your focus is on residential projects in Louisville, commercial ventures in Lexington, or vacation rentals in the Bluegrass region, The Hard Money Co. is here to support your real estate ambitions. Our team’s deep understanding of Kentucky’s market, local regulations, and property values empowers you to make informed investment decisions.
We provide flexible financing tailored to your needs, from fix-and-flip projects to building long-term rental portfolios. Partnering with The Hard Money Co. ensures you have a reliable ally who can help you navigate Kentucky’s real estate landscape and maximize the potential of your investments.
Real people. Real answers. Real lending expertise.
Submit your no-commitment application to provide us info about your deal and start the process.
Our experts perform an internal CMA and provide you a loan disclosure.
The team begins collecting documentation and finalizing details regarding your loan.
We fund your deal and provide ongoing support to ensure a successful project.
Real feedback from borrowers who’ve worked with our team.
Posted on Brian L. BolesTrustindex verifies that the original source of the review is Google. Massively challenging file that THMCo worked with us to understand the file, borrowers scenario, and need details to bring up to current credit & legal standards in order to even be able to lend. …The “Save” leadership did to retain the file was unbelievable!!! Extraordinary team work right out of the gate to funding. Hands on, detailed, and patient to learn the past to present, so that the loan can be structured to meet THMCOs guidelines… …also allow for the take-out long-term debt to be obtained. ~ Greatly Appreciate THMCo!!! 🙌🏽💪🏽🤙🏽Posted on M CTrustindex verifies that the original source of the review is Google. Great experience, I will definitely work with them as long as I can.Posted on Marty HarrisTrustindex verifies that the original source of the review is Google. These guy are a waste of time I told them I didn't have good credit they waited all week to tell me it was my credit and cost me 1k Ernest money when I tried to call back a cosigner they wouldn't even answer the phone 😑 Harrison is not the person to deal with and reluctant to be transparent do your self a favor and find some reputable lenders who can be honestPosted on M CTrustindex verifies that the original source of the review is Google. Waste of time, tell you are approve with hard money, then go back 20 yearsPosted on Elijah TisdaleTrustindex verifies that the original source of the review is Google. Always some hiccups along the way when it comes to real estate investing, but overall, they were great in getting me started off into my real estate investing journey!Posted on NLD Capital Group LLCTrustindex verifies that the original source of the review is Google. I work with a lot of companies and this one has proven to be one of the best! They get it done and we will be using them to assist many more of our clients. Emma and Jacob were fantastic to work with!!! You can’t go wrong with this firm and this team!Posted on Renee CochranTrustindex verifies that the original source of the review is Google. The Hard Money Co. says it all. They worked so hard to get us across the finish line and I can not tell how much that meant to us. The always answered our questions and were top notch professionals from beginning to end. You will not be disappointed! We certainly weren't! Fantastic company for a construction loan!!Posted on Rahiem hickmonTrustindex verifies that the original source of the review is Google. We have been partnered with hard money co for a while and they’ve been excellent with every deal we’ve brokered. They are responsive and quick with efficiency. It’s been a huge pleasure to work with them as my lender. John and Melanie have been excellent with my deals. They hold your hand through the entire process.Posted on Michael GillespieTrustindex verifies that the original source of the review is Google. Sarah and her team were outstanding in getting our first deal done. We look forward to doing many more. Great lender for investors