Real Estate Funding
Fast. Local. Easy.
Unlock Your Real Estate Potential Today
Virginia Hard Money LLC provides tailored financing solutions for your real estate ventures, ensuring quick approvals and flexible terms. Our expertise in private lending helps you achieve your investment goals efficiently and effectively.

Fast. Easy. Local.
✓ Fast loan approvals
✓ Flexible lending options tailored to your needs
✓ Expertise in fix and flip, rental, and construction loans
✓ Secure investments backed by real estate
✓ Opportunities for co-lending and passive income
What past clients are saying about VHM
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Working with Rick has been a game-changer! His response time is incredibly fast, and he is always willing to find a solution that works for everyone, a win-win. He is flexible, transparent, and genuinely wants to see your project succeed. All around, just a great company to work with.
-Joan S.
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Working with Rick at Virginia Hard Money was one of the easiest and smoothest lending experiences I’ve ever had. I’ve used other lenders throughout my career, but Rick is truly a partner in that he evaluates deals thoughtfully and carefully ensuring a safe investment for all parties. The entire process is effortless from start to finish. We have had multiple loans funded with VHM for good reason; reliability, speed, experience, and consistency. We are truly grateful to partner with Rick on an ongoing basis. Furthermore, Rick is truly just one of the good guys and Virginia Hard Money has our highest recommendation.
– Jimmy D.
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Working with Virginia Hard Money has been a blessing. Their industry expertise has helped us refine our own renovation process, and their speed and reliability far exceed other lenders we’ve worked with. They stood by us on a major renovation project, demonstrating both trust and commitment. We’re grateful for their partnership and look forward to continuing to grow together.
– Lori
Get your questions answered
Why use Virginia Hard Money?
We pride ourselves in understanding our borrowers’ needs and creating win-win solutions by controlling all aspects of the lending process.
Virginia Hard Money is a private lending company that specializes in providing capital for various real estate projects, including fix and flip, rental properties, and ground-up construction. We focus on fast and flexible lending solutions tailored to our clients’ needs, ensuring a smooth borrowing experience.
How quickly can I get a loan?
We can often close as quickly as the title search indicates a clear title. Our streamlined process allows us to provide quick approvals and a smooth closing process, often within days of submission of the loan application.
What types of properties do you finance?
We focus on investment residential, small commercial, and ground-up construction.
Where does VHM lend?
VHM lends throughout Virginia and several other states. Please contact us to discuss your project.
How do I apply for a loan?
What are your loan rates?
We determine rates and terms based on the deal. Please contact us to discuss your deal or apply here.
Does VHM work with Co-Lenders?
Yes, Co-Lending with Virginia Hard Money LLC allows investors to earn passive income through double-digit returns. Your investment is secured by real estate, providing a safer option for generating income while supporting local projects. Visit the Co-Lender section of the website to learn more.
Unlock Your Real Estate Potential