Ohio has rapidly become one of the most attractive real estate markets in the country. With strong population growth in Columbus, a revitalized urban core in Cincinnati, and highly affordable cash-flowing neighborhoods in Cleveland, the state is a magnet for real estate investors. In fact, Ohio consistently ranks in the top 10 states nationwide for long-term and short-term rental yields, making it an absolute powerhouse for the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy.
Because of this booming demand, Ohio has emerged as a premier state for private capital. To scale your portfolio and beat out cash buyers, you need fast, reliable financing.
Below is your guide and directory of direct hard money lenders in Ohio that can help you close deals in days, not months.
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To help you navigate the landscape, we have separated this directory into 16 hyper-local, boutique lenders with strong Ohio roots, and 5 dominant national platforms that provide massive liquidity to the state.
1. Columbus Urban Lending
Columbus Urban Lending is a dedicated Ohio-based private money lender. They focus on serving as a long-term partner for local real estate investors, offering rapid 24 to 48-hour closings on bridge loans without reporting to personal credit bureaus to protect your DTI.
Presence in Ohio: Headquartered directly in Columbus, OH (150 E Gay St).
Loan Amount Range: $75,000 to $2,500,000 (Estimated)
Loan Types: Fix & Flip, Bridge, Value Add, 30-Year Fixed
Phone Number: (380) 221-5311
Email: lending@columbusurbanlending.com
Website: columbusurbanlending.com
2. Sab Tera Lending Sab Tera Lending operates exclusively as Ohio’s direct private hard money lender. They lend directly from their own balance sheet, cutting out middlemen to offer same-day commitments and 7-day closings without requiring income verification or charging prepayment penalties.
Headquarters / Focus: Operates strictly statewide across all 88 Ohio counties.
Loan Amount Range: Scales up to $10M+ for commercial properties
Loan Types: Fix & Flip, DSCR, Spec Ground-Up Builds
Phone Number: (516) 336-9293
Email: info@sabteralending.com
Website: sabteralending.com
3. Cincy Capital
Cincy Capital operates as a flexible, localized commercial capital partner for real estate developers and investors. They focus on the viability of the project rather than strict credit score requirements.
Presence in Ohio: Based in Cincinnati, OH, serving the Tri-State area with localized expertise.
Loan Amount Range: $5,000,000 to $100,000,000
Loan Types: Hard Money Bridge, Ground-Up Construction
Phone Number: 513-489-6060
Email: info@cincycapital.com
Website: cincycapital.com
4. BlueMark Capital, LLC
BlueMark Capital is a full-service commercial mortgage banking firm that also provides hard money and construction loans for commercial properties and land developments.
Presence in Ohio: Headquartered in Cincinnati, OH (700 Walnut Street), with additional offices in Dayton and Cleveland.
Loan Amount Range: $250,000 to $10,000,000+
Loan Types: Commercial Hard Money, Land, Construction
Phone Number: (513) 618-9747
Email: Contact via website
Website: bluemarkcapital.com
5. Riverview Mortgage Corp (Private Lending Division)
While functioning as a comprehensive mortgage corporation, Riverview maintains a dedicated private/hard money lending arm for real estate investors. They are members of the American Association of Private Lenders and are deeply entrenched in the Northeast Ohio market.
Headquarters: Akron, OH
Loan Types: Fix & Flip, Private Bridge Capital
Phone Number: (234) 334-5414
Email: riverviewmortgagecorp@gmail.com
Website: riverviewmortgagecorp.com
6. Upright
Upright is one of the premier hard money lenders in the country, but they maintain a massive, boots-on-the-ground operational footprint in the Midwest, specifically catering to Ohio's booming real estate markets.
Presence in Ohio: Operates a dedicated Midwest headquarters out of Cleveland, OH (1300 E 9th Street).
Loan Amount Range: $50,000 to $5,000,000
Loan Types: Fix & Flip, New Construction, Portfolios
Phone Number: (646) 895-6090
Email: loans@upright.us
Website: upright.us
7.The Hard Money Co.
The Hard Money Co. is an asset-based lender that skips time-consuming credit checks and income verification to help investors close deals extremely fast. They have dedicated operations launched specifically to serve Ohio.
Presence in Ohio: Dedicated lending operations and local teams in Cleveland and Columbus, OH.
Loan Amount Range: $50,000 to $2,000,000
Loan Types: Fix & Flip, Property Acquisition
Phone Number: (414) 269-5300
Email: lending@thehardmoneyco.com
Website: thehardmoneyco.com
8. FlipCo Financial
FlipCo Financial delivers fast, flexible funding solutions with 100% of the rehab budget funded. They specialize in helping investors take advantage of steady appreciation and demand for rental housing in transitioning urban neighborhoods.
Presence in Ohio: Deep lending footprint in Northeast Ohio (Cleveland) and Central Ohio (Columbus).
Loan Amount Range: $50,000 to $2,000,000
Loan Types: Fix & Flip, Short-Term Bridge
Phone Number: 888-703-FLIP
Email: Contact via website
Website: flipcofinancial.com
9. Ternus Lending
Founded for investors by investors, Ternus provides fast and reliable capital to help Ohio property investors move confidently. They handle underwriting in-house, requiring no appraisals or credit checks on core products.
Presence in Ohio: State-specific overlays applied to quotes to ensure competitive funding across all Ohio metros.
Loan Amount Range: $50,000 to $2,500,000
Loan Types: Wholetail Loans, DSCR Rentals, Bridge
Phone Number: 972-755-1880
Email: info@ternus.com
Website: ternus.com
10. Ridge Street Capital
Ridge Street Capital prides itself on simple, reliable, and fairly priced hard money loans, featuring a streamlined online application process and closing times in as little as 7 days.
Presence in Ohio: Funds heavily across Cincinnati, Cleveland, and Columbus.
Loan Amount Range: $75,000 to $2,500,000
Loan Types: Fix & Flip, 30-Year DSCR, Ground Up
Phone Number: 786-304-2751
Email: cohen@ridgestreetcap.com
Website: ridgestreetcap.com
11. Constructive Capital (Constructive Loans)
Constructive Capital is a leading private lender that provides highly competitive rates and aggressive leverage for agile investors building large-scale rental portfolios and flipping properties.
Presence in Ohio: Ranked as one of the highest-volume private lenders operating in the Ohio market.
Loan Amount Range: $75,000 to $5,000,000
Loan Types: DSCR Rentals, Fix & Flip
Phone Number: 833-208-1442
Email: Contact via website portal
Website: constructiveloans.com
12. MM Lending LLC
MM Lending is a specialized private money lender providing business-purpose real estate financing strictly to investors. They offer rapid approvals for experienced operators.
Presence in Ohio: Listed as one of the top 10 most active private lenders in the Columbus, OH market.
Loan Amount Range: $75,000 to $2,000,000
Loan Types: Fix & Flip, Bridge
Phone Number: 502-400-3011
Email: info@mmlending.com
Website: mmlending.com
13. Crebrid
Crebrid funds real estate investments using automated, borrower-driven applications. They finance up to 90% of project costs with same-day approvals, utilizing Ohio-specific comps for fast in-house underwriting.
Presence in Ohio: Highly active across Columbus, Cleveland, Cincinnati, Toledo, Dayton, Akron, and Canton.
Loan Amount Range: $75,000 to $3,000,000
Loan Types: Residential Transition Loans (RTL), Fix & Flip, Ground-Up
Phone Number: (972) 525-4777
Email: info@crebrid.com
Website: crebrid.com
14. Sharper Capital Partners
Sharper Capital Partners is a privately funded, direct hard money lender that underwrites entirely in-house. Because they lend privately sourced capital from their founders, they are highly agile and specialize in short-term residential transitional loans.
Headquarters: Cincinnati, OH
Loan Amount Range: $50,000 to $1,000,000
Loan Types: Fix & Flip, Fix-to-Rent (BRRRR), Transactional Funding, Small Commercial
Phone Number: (513) 401-5143
Email: info@sharpercapital.com
Website: sharpercapital.com
15. Dayton Capital Partners
Dayton Capital Partners is a highly localized direct lender and mortgage broker built specifically for real estate investors operating in the Dayton metro and surrounding Ohio markets. They specialize in 1st position residential bridge financing.
Headquarters: Dayton / Beavercreek, OH
Loan Amount Range: $75,000 to $5,000,000
Loan Types: Fix & Flip, Short-Term Investment Property Loans
Phone Number: (937) 240-1805
Email: loans@daytoncapitalpartners.com
Website: daytoncapitalpartners.com
16.Autumnwood Funding
Autumnwood Funding is an Ohio-based hard money lender heavily focused on serving the local Columbus and Central Ohio real estate market. They provide highly flexible bridge loans for investors looking to acquire and rehab distressed properties.
Headquarters: Lewis Center, OH (Columbus Metro)
Loan Amount Range: Varies based on project scope
Loan Types: Fix & Flip, Hard Money Bridge Loans
Phone Number: (614) 433-9100
Email: rachel@homesbyaw.com
Website: homesbyaw.com
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17. RCN Capital
RCN Capital is a dominant national lender offering institutional-grade capital. They provide aggressive leverage and competitive rates for both flips and rentals.
Presence in Ohio: Extremely active statewide, funding everything from Columbus flips to Cleveland rentals.
Loan Amount Range: $50,000 to $10,000,000
Loan Types: Fix & Flip, 30-Year DSCR, Ground-Up Construction
Phone Number: 860-432-5858
Email: info@rcncapital.com
Website: rcncapital.com
18. Lima One Capital
Lima One acts as a full-cycle capital partner for professional investors, renowned for their in-house servicing and massive liquidity.
Presence in Ohio: A top capital provider in OH, backing large-scale developers and rental aggregators.
Loan Amount Range: $100,000 to $20,000,000+
Loan Types: Rental Portfolios, Value-Add Multi-Family, Fix & Flip
Phone Number: 800-390-4212
Email: hello@limaone.com
Website: limaone.com
19. Kiavi
Kiavi leverages modern technology and data analytics to offer some of the fastest processing times in the hard money space, minimizing red tape.
Presence in Ohio: High transaction volume across Ohio, utilized heavily by agile flippers.
Loan Amount Range: $100,000 to $1,500,000
Loan Types: Fix & Flip, Bridge Loans
Phone Number: 844-415-4663
Email: Contact via web portal
Website: kiavi.com
20. LendingOne
LendingOne provides reliable, scalable capital to investors who require speed and efficiency. Their robust platform makes them a staple for high-volume flippers.
Presence in Ohio: Dedicated OH lending presence, supporting flippers and institutional buyers.
Loan Amount Range: $75,000 to $15,000,000
Loan Types: Fix & Flip, Rental Portfolios, Multi-Family
Phone Number: 866-923-6157
Email: Contact via web portal
Website: lendingone.com
21. CoreVest Finance
CoreVest is the leading lender for residential portfolio investors, specializing in large-scale liquidity solutions and build-to-rent financing.
Presence in Ohio: Dominant in OH for investors bundling multiple rental properties or large BTR developments.
Loan Amount Range: $500,000 to $50,000,000
Loan Types: Rental Portfolios, Build-to-Rent, Bridge
Phone Number: 844-223-2231
Email: info@cvest.com
Website: corevestfinance.com
Why is Ohio an emerging state for hard money loans?
Ohio boasts incredibly favorable price-to-rent ratios, meaning investors can buy properties at a lower entry point while still commanding strong rents. This makes it a top-tier state for the BRRRR method, which requires short-term hard money to rehab the property before refinancing into long-term debt.
What are typical hard money interest rates in Ohio?
Rates generally range from 9.5% to 13%, depending on your experience level, the loan-to-value (LTV) ratio, and the scope of the rehab.
Can I get a hard money loan in Ohio if I live out of state?
Yes. Many of the lenders listed above, especially the national platforms and larger regional boutiques, actively fund out-of-state investors who are targeting Ohio's high-yield rental markets.
👉Don't leave money on the table. Shop your real estate scenario on Lendersa.com today to instantly compare rates and terms from Ohio's top lenders side-by-side!