Hard Money Lending, Simplified

Fast, flexible real estate funding designed for investors who need results.

About Investor Equity Funding

At Investor Equity Funding LLC, we treat every borrower and loan with the utmost care. Our team partners closely with real estate investors to help them secure the capital they need to achieve their goals.

Our lending process is transparent, responsive, and built to create long-lasting relationships based on professionalism, reliability, and trust.

In a market full of capital options, Investor Equity Funding stands out for delivering a superior lending experience — with honest communication, quick turnarounds, and investor-focused programs.

1

Choose Your Funding

Purchase Loans
_{Fast capital to help you secure new acquisitions.}
Fix & Flip Rehab Funding
_{Perfect for renovation, improvements, or value-add projects.}
Rental Property Loans
_{Long-term or short-term rental financing with flexible terms.}
Cash-Out Refinance
_{Access your equity to scale your portfolio or complete rehab projects.}
New Construction Lending
_{Built for investors developing new residential real estate projects.}

2

How Our Funding Works

Pre-Approval/Pre-Qualification (24-48 Hours)
_{Submit your application and supporting documents for a quick review.}
Loan Review & Terms
_{We evaluate your project, experience, and deal structure, then provide clear, straightforward terms.}
Fast Funding Decision
_{Most approvals are completed within 24-48 hours and include rehab or construction budgets if applicable.}
Close & Begin Your Project
_{Once approved, funds are released according to your loan program-allowing you to move forward quickly and confidently,}

3

Why Investors Choose Us

Transparent & Straightforward
_{No hidden fees, no pressure, no surprises.}
Funding for Real Investors
_{Programs built for fix-and-flips, rentals, BRRRR, and new construction.}
Quick Turnaround
_{Pre-approval typically within 24-48 hours.}
Relationship-Focused
_{We partner with borrowers long-term, not just for one deal.}
Proven Lending Experience
_{Backed by 30+ years of real estate and lending expertise, delivering reliable capital solutions and consistent results for investors.}

Frequently Ask Questions

How fast is approval?

Pre-approvals can often be issued 24-48 hours once your application and documents are received.
Final approval and closing times vary by:

Loan type
Property condition
Title work
Appraisal timelines
Completeness of your documentation

Straightforward deals can close in as little as 7–10 business days.

Do I need experience?

Experience helps, but it’s not always required.
If you are newer, we may look closely at:

Contractor experience
Team strength
Deal margin
Cash reserves
Exit strategy

We also ask:
What types of projects have you completed in the last 36 months?
(New Construction, Fix-and-Flip, Rental, or Land).

Do I need perfect credit to qualify?

No. Perfect credit isn’t required.
We work with business owners across a wide range of credit profiles. Higher scores may unlock better terms, but lower scores don’t automatically disqualify you. We look at the full picture — experience, deal strength, equity, cash reserves, and project viability.

Do you lend to individuals or only businesses?

We are strictly a business-purpose lender, meaning all loans must be made to a legal business entity (LLC, Corp, etc.).
The managing member, owner, or authorized officer may also sign as guarantor, depending on the loan type.

What documents do I need to apply?

Required documents vary by loan type (Purchase, Fix & Flip, Construction, Refi, Cash-Out, or BRRRR).
Generally, you will need:

Articles of Organization / Incorporation
Operating Agreement
EIN Letter
Recent Bank Statements
Purchase Contract (when applicable)
Scope of Work or Budget (for rehab/construction)
Credit Report (borrower-provided)

Your application will show the full required list for your loan type.

What types of projects do you fund?

We fund a wide range of real estate investment projects, including: Fix-and-flip, Rental/BRRRR, Cash-out refinance, New Construction

What states do you lend in?

We lend in select states for business-purpose real estate loans. Eligible states currently include:

_{Alabama, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin.}

Note: Some programs are offered to business entities only; others may allow either an entity or individual borrower, depending on state and loan type.

Important restrictions and conditions:

_{If the property is more than 60 miles from the borrower, a detailed business plan is required explaining how the project will be managed and supervised.}
_{California: Business-purpose only and limited to licensed real estate brokers or licensed mortgage brokers(license must be provided).}
_{Illinois: No loans within the Chicago city limits.}
_{Maryland: Baltimore City loans must be greater than $100,000.}
_{Michigan: No loans within the City of Detroit.}
_{Ohio: No loans within the City of Cleveland.}
_{Minnesota, Oregon, and Utah: Properties must generally be 5+ units.}
_{Rhode Island: Broker compensation is limited by state guidelines (internal cap applies).}

We do not lend in:

_{The cities of Chicago, Cleveland, Detroit, or Washington, DC, and}
_{The following states:} _{Alaska, Arizona, Arkansas, Hawaii, Idaho, Nebraska, Nevada, North Dakota, Oklahoma, South Dakota, Vermont, and Wyoming.}

If you’re not sure whether a specific property qualifies, share the address, state, number of units, and distance from you, and we can confirm eligibility for that scenario.

Ready to Get Started?

Get pre-approved

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