Fast, asset-based financing from a direct private lender. No rigid bank underwriting, just fast decisions on the property and the deal.
Get Pre-QualifiedCall (917) 781-2440Gauntlet Funding is a direct, private hard money lender based in New York, offering fast, asset-based financing for residential and commercial real estate investors. Unlike a traditional bank, we underwrite based on the property and the deal, not a rigid credit model, which means faster approvals, more flexible terms, and closings measured in days instead of months. We fund hard money loans throughout New York and New Jersey, across Florida, and nationwide.
A hard money loan is short-term, asset-based financing secured by real estate rather than the borrower's personal credit profile. It's a popular option for real estate investors because the property itself, not the borrower's income documentation, is what qualifies the loan. That makes hard money loans faster to close and more flexible than conventional financing, especially for distressed, non-owner-occupied, or otherwise unconventional properties that banks are reluctant to touch.
Because a hard money loan is underwritten around the property rather than the borrower, approval and closing timelines are driven primarily by how quickly the property can be valued and the deal structured, not by income verification or committee approval. Your property serves as collateral, and loan proceeds can typically be used for the purchase, renovation, or new construction, depending on the loan type. Terms are structured around your project and exit strategy, whether that's a sale, a refinance, or holding the property as a rental, rather than a one-size-fits-all amortization schedule.
Short-term interim financing that lets you close on a property in days instead of the 45+ days a traditional mortgage can take.
Learn About Bridge Loans →Financing for the purchase and renovation of distressed properties, REOs, foreclosures, and short sales.
Learn About Fix and Flip Loans →Longer-term financing for investors holding a rental property, qualified against rental income rather than personal income.
Learn About DSCR Loans →Funding for ground-up construction, renovation, or owner-builder projects.
Learn About Construction Loans →Financing structured for investors partnering on a deal, sharing resources and responsibilities under a formal agreement.
Learn About Joint Venture Loans →The broader private lending model behind all of our loan programs, direct funding without bank bureaucracy.
Learn About Private Money Lending →Gauntlet Funding is headquartered on Long Island in Melville, New York, with more than 20 years of experience financing real estate investors across the New York metro area. As a direct private lender, we make our own credit decisions instead of routing your deal through a bank committee, which is a major reason we can close so much faster.
If you're specifically searching for a hard money lender in a particular market, we also maintain dedicated pages for these areas:
We fund our own deals in-house, so there's no third-party investment committee slowing down your approval.
Because underwriting is based on the property and the deal, we can typically close much faster than a conventional bank.
Our hard money loan rates and terms are structured to stay competitive with the broader private lending market.
Bridge, fix and flip, DSCR/rental, new construction, and joint venture financing, all from a single experienced team.
Gauntlet Funding has financed REOs, short sales, and every type of residential and commercial investment property for over two decades.
Headquartered in New York, with lending across New Jersey, Florida, and the rest of the country.
A hard money loan is a short-term, asset-based loan secured by real estate rather than the borrower's personal credit or income. It's commonly used by real estate investors who need to close quickly or who don't fit conventional bank underwriting.
A hard money lender evaluates the property and the deal, its purchase price, condition, and after-repair or completed value, rather than the borrower's tax returns or credit score. Because there's no lengthy income-verification or committee approval process, hard money loans generally close much faster than a conventional mortgage.
Bridge loans, fix and flip loans, DSCR/rental loans, new construction loans, and joint venture financing.
Yes. Gauntlet Funding funds its own loans directly rather than brokering to a third party, which allows for faster, more flexible underwriting decisions.
The real estate being financed is the collateral. Because the loan is asset-based, qualification is centered on the property's value and potential rather than the borrower's personal financial profile.
Yes. Gauntlet Funding is headquartered in Melville, New York, and funds hard money loans throughout the New York metro area, New Jersey, and Florida, as well as nationwide.
Ready to discuss your next deal? Get pre-qualified online in minutes or talk to our team directly.
Get Pre-QualifiedCall (917) 781-2440