Best Hard Money Lender Chicago

Hard Money Lender Chicago Illinois Benefits:

* Up To 90% of Purcase, 100% of Rehab
* Same Day Pre-Approval
* Funding in 5 Days!
* Fix and Flip Loans 
* Fix To Rent
* Multifamily Loans
* Commercial Real Estate Loans 
* Special Use!

#1 Hard Money Lender Chicago!


Chicago Hard Money Loans

Lending Parameters

investment loans

Top Current Programs

  • Fix and Flip  [Up To 90% of Acquisition, 100% of Rehab]
  • Fix To Rent   [Up To 90% of Acquisition 100% of Rehab]
  • Multifamily   [Up To 100% Financing Incl. Interest Reserve]



Property Types


A “fix and flip” loan is a bridge loan or sometimes called a hard money loan used to purchase property with the goal of selling it for a profit or refinancing it to rent once the repairs are completed. A fix and flip loan is works really well in these situations:

  1. When you need to close fast (Our quick close time is 5 days!)
  2. When high leverage or a low down payment is required.
  3. If the property needs funds for renovations.
  4. When you cannot provide verifiable income (no tax returns required).
  5. If the asset is not yet stabilized, leased up, or producing any income.
  6. If you want a short term loan with no prepayment penalty

Fix and Flip loans are a great way to  leverage your existing capital to generate more income with the ability to close & flip more projects at once utilizing bank funds! finances the acquisition and the rehab costs of the project.

We offer a 100% program and a limited documentation 90% down loan program! Apply Now!


Program Summary

Loan Amount:$100,000 – $250 Million
Term Length:12 – 36 Months
Max LTV:100%  (90% Limited Doc)
Rehab:Funded 100%
Amortization:Interest only
Interest Rate:Starting at 6.99%
Closing Time:5 – 14 Days
Loan Use:Purchase, Rehab, Refinance
Cash out refinance
dscr loan program


*Up To 85% LTV
* Cash Out Refinance
* 15-30 Day Close!
* No Income Required
* No Employment Required

fix and flip loan programs


*Up to 90% of the Purchase
*100% of the Rehab.
* Closing as fast as 5 days!
* Fix to Flip or Fix to Refi .
* 30 or 40year DSCR loan

rental loan


* Cash-out & Refinance
*30 or 40 year loan..
* Closing 30 days!
* Up To 80% LTV

construction loan


*Ground Up Construction
Up To 80% Of Land
* 100% of Construction
* Builders and Developers!

Why Use a Hard Money Loan in Chicago?

    1. If you need to close fast. While applying for a loan at your typical bank may take months for them to review your loan application, offers the same day fix and flip, fix to rent, hard money loan approval, and we can fund within 5 days. In an emergency situation for current customers, we can even fund a deal in 1 day!
    2. If the property isn’t stabilized. Many times, it’s not just a question of time, but it’s the actual property or asset that you are purchasing that a traditional bank just will not finance.  Some examples include a property that requires additional funds to rehab, ones that are missing a Certificate of Occupancy (CO), or others that do not have a strong rental history.  Hard money lenders such as we will be able to fund the property when a bank can’t.
    3. What if my credit is poor .  We understand that there are events  in peoples lives that negatively influence their credit score. Therefore, we are mostly concerned with the value of the real estate asset, rather than debt-to-income ratios when considering funding a loan. FICO always plays a roll, but not nearly as much.
    4. What If don’t want to have a loan in my personal name.  A traditional bank is most likely to require that your investment property be owned directly by the individual they are making the loan to.  This is a liability risk to any investor. Setting up a property in an LLC. is just good business sense and whether you are buying your first property or your fiftieth, setting up an LLC. helps protect you from a myriad of pitfalls if one were to occur. Obtaining a hard money loan to acquire your property in an LLC. will help you protect your assets for the long term
Hard Money Lender Jacksonville florida

Hard Money Fix and Flip and Fix To Rent Loans
Up To 100% of Acquisition | 100% of The Rehab!
Interest Only!  5 Day Close!!


fix and flip loan

Fix & Flip Loan Chicago

We look at things very differently than a bank and rely mostly on your real estate experience and other common sense factors when making decisions.

We will ask for the following documents for Fix and Flip Loans:

  • Sales Contract
  • Construction Budget
  • 1-month bank statements
  • A list of properties you currently own (an REO Schedule)
  • Two years of tax returns
  • LLC Operating Agreement or Articles of Corporations

Commercial Real Estate Loan Chicago

Home Loan

800-826-5077 to speak with a financing expert.

Bridge Loan Chicago

We take pride in our roots and the success that the real estate markets brought to us. Being a local bridge loan lender and understanding the Chicago allows us to move quickly and overcome obstacles that many other lenders cannot. For example, we understand many of the Chicago rent regulations and permitting in the various markets. We understand the continued Chicago development and how to analyze Chicago property values and comparing that with the trends nationwide. 

We can help our clients take advantage of some of the best investment real estate returns in Chicago by providing the required leverage to help you achieve your investment goals. Not just Chicago, we are serving all of llinois requirements.

Investment real estate loan

With our knowledge of Chicago’s real estate market, we are able to work out and structure creative lending solutions that fit your hard money financing needs. We fund loans based on the value of the asset so in some cases we were even able to finance more than 100% of the purchase price and rehab amount.

We can also provide your take out financing in the form of a 30 year loan or a portfolio loan for investors with 5 or more properties. These loans today start in the low 3% range.

Give us a call or apply for a loan today!

* Bank Loans
* Bridge Loans
* Private Equity
* Hard Money
* Private Equity
* Fannie Mae, Freddie Mac HUD Loans

* Purchase  * Refinance  * Cash Out Refinance

We can close your hard money, bridge, fix & flip, multifamily loan in 5 days!

Hard Money Lender Chicago, IL

We can fund Chicago hard money loans in 3–5 days

Dedicated hard money loan helpline in Chicago, give us a call +1-800-826-5077

About Chicago- Chicago, on Lake Michigan in Illinois, is among the largest cities in the U.S. Famed for its bold architecture, it has a skyline punctuated by skyscrapers such as the iconic John Hancock Center, 1,451-ft. Willis Tower (formerly the Sears Tower) and the neo-Gothic Tribune Tower. The city is also renowned for its museums, including the Art Institute of Chicago with its noted Impressionist and Post-Impressionist works.
For Rates, Terms and Cash To Close Apply Below

View and learn more about our investment and commercial financing at


Hard Money Rehab Loan Chicago

Fix and flip loans Chicago are used when a real estate investor uses an investor rehab loan to quickly secure a distressed real estate property, receive funding for the repairs, and get the property back listed on the market. 

At we can provide up to 90% of the purchase price and 100% of the renovation costs to fix and flip investors for Illinois Real Estate investors. On a case by case basis we will finance up to 100% of the purchase and rehab cost as long as the purchase and rehab amount is within our 70% of the ARV (After Repair Value). 

For our investor’s other states. (We lend nationwide except North/South Dakota) We will fund up to 90% of the purchase price and 100% of the repairs. 

Buy, Rehab, Rent, Refinance (BRRR Strategy) 

Our hard money lending program in Chicago is designed with a special emphasis on the Buy, Rehab, Rent, Refinance (BRRR) strategy to aid real estate investors. Just like our flip loans and construction loans, we extend funding for the acquisition and refurbishment of the property. However, the unique aspect here is that instead of selling the property for a profit, the investor chooses to retain it as a cash generating rental property. This can be traditional rental or even Airbnb, for which we also offer short-term rental financing. 

After a lease is signed (with no need for tenant occupancy yet), we then offer a cash-out refinance loan, calculated at up to 80% LTV of the appraised value. Our loan program is popular among real estate investors because it allows them to withdraw all their cash or equity from the property, often even more than their initial investment, and reinvest. 

BRRRR – Buy, Rehab, Rent, Refinance, and REPEAT! Our approach, unlike traditional loans, accommodates bad credit and focuses more on the investment property and the real estate investment strategy of the borrower. The loan application process is simple, ensuring you get the loan amount needed promptly to proceed with your real estate investing journey. 

Private Money Investment Property Loans We Provide 

Tidal Loans offers private investment property loan options throughout the Illinois area. If you already have a property that needs funding, you can talk to us about our: 

Fix and Flip Loan Chicago

We fund up to 90% of the Purchase Price and 100% of the Repairs. We may allow 100% CLTV (100% fix and flip loans), so sellers can carry back a second note, allowing 100% of the purchase price and rehab amount to be financed. These loans are designed specifically for investors who are interested in rehab and renovations to a fixer upper that you’d like to then sell for profit. Allowing our clients to bring nothing but closing costs to the table! 

New Construction Loans 

For Investors, Builders and Developers. We fund up to 75% of the After-Construction Value. 85% LTC, and up to 100% of the hard construction cost. We can also assist with funding the land acquisition! 

Rental Property Loans / DSCR Loan 

DSCR Loan: We offer a DSCR long term 30 or 40 year loan. What is a DSCR Loan? Our Debt Service Coverage Ratio (DSCR) loan is a type of financing commonly used in real estate investments. It measures the ability of a property’s income to cover its debt obligations. Rather than your personal income, as most banks would look at your personal DTI, we look at the properties DSCR. 

DSCR Loan Requirements- We can provide a DSCR loan for Single Family Properties, 2-4 units, Multifamily properties, and Commercial Properties as well. We just need the following. 

1.) Minimum credit score of 600

2.) Rent Ready Property 

3.) Minimum Debt Service Coverage Ratio of at least .75 ( the higher the DSCR ratio the better the terms) 

Multi Family Loans Chicago / Mixed Used Loans 

Our program consists of minimal down payment for multifamily apartment real estate investors looking for apartment rehab loans. We do not have a DSCR requirement for our multifamily rehab loans. Up to 85% LTC, 90% CLTV and 100% of rehab funds. This exclusive loan program for apartment buildings provides you with the flexibility and leverage to profit on Multifamily & Mixed-use investment opportunities that may need rehab or low occupancy. We also offer a 30-year loan program for investors looking to cashflow their property long term. 

Commercial Property Loans Chicago

We provide private commercial hard money loans for commercial real estate investors. We provide loans up at 65% LTV for our commercial bridge loans and commercial rehab loans. We offer 70% LTV and 80% CLTV on our long term commercial hard money loans at a 30-year amortization with a 30 year term. A commercial hard money loan is a good alternative to traditional bank financing when time is of the essence or borrowers don’t meet traditional guidelines for whatever reason. 

Airbnb Financing 

Airbnb Loans / Short Term Rental Loans: We provide our buy at property. 30-year fix rate up to 80% LTV. We know the struggle with financing for Airbnb properties that is why we came up with this loan option for Airbnb hosts! Buying a house for short term rental to place on Airbnb or VRBO is easy with

Real estate investors feel free to reach out to us and see why we are considered to be one of the best hard money lenders Nationwide! We pride ourselves in offering a simple, fast, and transparent private money loan for your real estate investment needs. Avoid the red tape that goes along with bank financing and the time it takes to close traditional loan structures and look into a hard money loan with

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