Maryland offers one of the most robust and versatile real estate markets on the East Coast. With the thriving DC-metro suburbs, the heavily transitioned neighborhoods of Baltimore, and the coastal appeal of Annapolis and Ocean City, the state is a massive draw for investors. Notably, Maryland consistently ranks in the top tier nationwide for both long-term and short-term rental yields. Whether you are executing a BRRRR strategy in Baltimore County or acquiring a vacation rental by the Chesapeake Bay, having fast, reliable capital is crucial to beating out cash buyers.
Maryland’s real estate market operates as a high-stakes, high-reward environment for investors, recently ranking as the second most profitable state in the nation for fix-and-flip projects. The state's unique geography offers distinct investment corridors: Baltimore City’s historic rowhomes provide accessible entry points for the BRRRR strategy in revitalizing neighborhoods like Canton, Remington, and Patterson Park, while DC-commuter spillover drives consistent demand across Prince George’s County. Additionally, waterfront and value-add properties in Anne Arundel County remain a popular target for flippers. However, with statewide housing inventory remaining painfully tight at under two months of supply, competition for distressed assets is fierce. Winning these bids requires capital that can close in days, making a reliable direct hard money lender the most critical partner in your Maryland real estate business.
To help you secure your next property, we have compiled a verified directory of the top direct hard money lenders in Maryland. This list features lenders capable of funding your deals in days, rather than the months it takes traditional banks.
Below are 17 specialized, localized private capital firms that maintain a physical headquarters or a dominant lending footprint in the state of Maryland.
1. Trius Lending Partners Trius Lending Partners is a premier direct private lender providing quick, flexible capital solutions for real estate investors. They boast streamlined, common-sense underwriting for Mid-Atlantic investors.
Presence in Maryland: Headquartered directly in Towson, MD.
Loan Amount Range: $150,000 to $5,000,000
Loan Types: Fix & Flip, Bridge, 30-Year DSCR
Phone Number: (443) 898-4090
Email: info@triuslending.com
Website: triuslending.com
2. Hard Money Bankers Hard Money Bankers is an asset-based lender known for hyper-local market knowledge and the ability to close deals in just a few days. They lend on both residential and commercial investment properties.
Presence in Maryland: Headquartered in Columbia, MD.
Loan Amount Range: $50,000 to $2,000,000
Loan Types: Fix & Flip, Commercial, Short-Term Bridge
Phone Number: (800) 883-8290
Email: info@hardmoneybankers.com
Website: hardmoneybankers.com
3. Maryland Private Mortgage Maryland Private Mortgage specializes in helping local investors, rehabbers, and builders secure funding without the red tape of traditional banks. They are highly active in the urban revitalization of Baltimore.
Presence in Maryland: Based in Baltimore, MD.
Loan Amount Range: $50,000 to $1,500,000
Loan Types: Fix & Flip, Rehab, Bridge Capital
Phone Number: (410) 661-8300
Email: info@marylandprivatemortgage.com
Website: marylandprivatemortgage.com
4. Property Flip Loan Property Flip Loan is a specialized boutique hard money lender that utilizes its own balance sheet to fund residential rehab projects. They offer highly personalized service for flippers.
Presence in Maryland: Based in Annapolis, MD, lending exclusively within the state of Maryland.
Loan Amount Range: $50,000 to $1,000,000
Loan Types: Fix & Flip, Residential Rehab
Phone Number: 443-684-7997l
Email: hello@propertyfliploan.com
Website: propertyfliploan.com
5. Dominion Financial Services Dominion Financial is a nationally recognized lender that started with deep roots in Maryland. They offer highly competitive rates for experienced real estate investors looking to flip or build rental portfolios.
Presence in Maryland: Headquartered in Baltimore, MD.
Loan Amount Range: $75,000 to $5,000,000
Loan Types: Fix & Flip, Long-Term Rental, Ground Up
Phone Number: (410) 593-1413
Email: loanservicing@thedominiongroup.com
Website: dominionfinancialservices.com
6. i Fund Cities An alternative lending platform built by investors for investors, i Fund Cities provides street-smart, high-leverage loans. They are highly aggressive in funding transitioning urban properties.
Presence in Maryland: Huge lending footprint in the Baltimore metro area.
Loan Amount Range: $100,000 to $10,000,000
Loan Types: Fix & Flip, New Construction, Multifamily Bridge
Phone Number: (215) 770-1505
Email: getfunding@ifundcities.com
Website: ifundcities.com
7. Pine Financial Group Pine Financial Group works closely with clients to structure thoughtful solutions, offering specialized rehab loans that cover 100% of rehabilitation costs for experienced flippers.
Presence in Maryland: Dedicated Maryland lending division.
Loan Amount Range: $75,000 to $2,000,000
Loan Types: 100% Rehab, 90% Acquisition, Bridge
Phone Number: (202) 301-0123
Email: info@pinefinancialgroup.com
Website: pinefinancialgroup.com
8. Beltway Lending Beltway Lending provides highly tailored hard money and portfolio loans designed to help residential investors unlock equity. They offer an incredibly streamlined application process, requiring only a lease, two bank statements, and a valid ID with no income documentation needed.
Presence in Maryland: Maryland-based lender targeting the Baltimore-Washington corridor.
Loan Amount Range: Up to 80% Loan-to-Value (LTV) of appraisal.
Loan Types: Fix & Flip, 30-Year Rental Loans, Portfolio Loans.
Phone Number: (410) 231-3131
Email: info@BeltwayLending.com
Website: beltwaylending.com
9. Unitas Funding Unitas Funding combines institutional reliability with the flexibility of a private capital partner. They specialize in funding high-velocity residential flips and small multi-family projects.
Presence in Maryland: Focused heavily on Baltimore and surrounding counties.
Loan Amount Range: $100,000 to $3,500,000
Loan Types: Bridge, Rehab, Construction
Phone Number: (862) 217-6326
Email: info@unitasfunding.com
Website: unitasfunding.com
10. New Funding Resources Operating since 2006, New Funding Resources evolved from a consumer lender into a boutique firm that focuses exclusively on "make-sense" private financing for real estate investors. They treat their borrowers like business partners, do not charge upfront application fees, and offer personalized consulting throughout the renovation process.
Presence in Maryland: Headquartered in Gaithersburg, MD (Montgomery County), with extensive lending across Rockville, Bethesda, Columbia, and the greater DMV area.
Loan Amount Range: Up to 90% Loan-to-Cost (LTC) and 65% After-Repair Value (ARV).
Loan Types: Fix & Flip, Buy & Hold, Hard Money Bridge Loans, Construction Completion.
Phone Number: (240) 206-5724
Email: Contact via website portal
Website: newfundingresources.com
11. HardMoney Company HardMoney Company is a family-owned, relationship-focused lender offering quick closings (as fast as 5-7 days) without utilizing call centers, giving borrowers direct access to decision-makers.
Presence in Maryland: Highly active across Baltimore County, Towson, Owings Mills, and Silver Spring.
Loan Amount Range: $50,000 to $5,000,000
Loan Types: Fix & Flip, Bridge, Commercial Hard Money
Phone Number: (571) 569-6756
Email: info@hardmoneycompany.com
Website: hardmoneycompany.com
12. Express Capital Financing Express Capital provides rapid capital solutions and leverages a deep understanding of Mid-Atlantic property values to offer high-leverage commercial and residential rehab loans.
Presence in Maryland: Statewide funding operations.
Loan Amount Range: $150,000 to $10,000,000
Loan Types: Bridge, Commercial, Rehab
Phone Number: (718) 285-0806
Email: info@expresscapitalfinancing.com
Website: expresscapitalfinancing.com
13.Temple View Capital Temple View Capital is a prominent private mortgage lender that provides agile, common-sense financing solutions for real estate entrepreneurs. They leverage strong secondary market relationships to offer competitive rates on both transitional bridge loans and long-term rental products.
Presence in Maryland: Headquartered in Bethesda, MD (7550 Wisconsin Ave, 10th Floor).
Loan Amount Range: $100,000 to $5,000,000+
Loan Types: Fix & Flip, Bridge, Ground-Up Construction, DSCR
Phone Number: (844) 232-7878
Email: info@templeviewcap.com
Website: templeviewcap.com
14. Central Lending Central Lending provides direct capital to residential property investors looking for a highly communicative lending partner and flexible draw schedules during construction.
Presence in Maryland: Serving the greater Maryland real estate market.
Loan Amount Range: $75,000 to $2,500,000
Loan Types: Fix & Flip, Short-term Bridge
Phone Number: (863) 276-1220
Email: hello@centrallending.com
Website: centrallending.com
15. Constructive Capital Constructive Capital is a leading private lender that provides highly competitive rates and aggressive leverage for agile investors building large-scale rental portfolios across the Mid-Atlantic.
Presence in Maryland: Consistently ranks as a high-volume funder in MD.
Loan Amount Range: $75,000 to $5,000,000
Loan Types: DSCR Rentals, Fix & Flip
Phone Number: (833) 208-1442
Email: info@constructivecapital.com
Website: constructiveloans.com
16. The Hard Money Co. The Hard Money Co. skips time-consuming credit checks and income verification to help real estate entrepreneurs close deals extremely fast based entirely on the property's merit.
Presence in Maryland: Active statewide, with a strong focus on Annapolis and Baltimore.
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
17. Upright (formerly Fund That Flip) Upright is an institutional-grade hard money lender that maintains a massive, boots-on-the-ground operational footprint in the Mid-Atlantic, catering specifically to heavy rehabs and ground-up builds.
Presence in Maryland: High deal volume across the entire state of Maryland.
Loan Amount Range: $50,000 to $5,000,000
Loan Types: Fix & Flip, New Construction, Portfolios
Phone Number: (646) 895-6090
Email: info@upright.us
Website: upright.us
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18. RCN Capital RCN Capital provides aggressive leverage and highly competitive rates for both transitional flips and stabilized rental properties, operating as one of the largest private lenders in the country.
Presence in Maryland: Extremely active statewide, funding Baltimore flips and coastal rentals alike.
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
19. Lima One Capital Lima One acts as a full-cycle capital partner for professional investors. They are renowned for their massive liquidity, in-house servicing, and ability to fund large build-to-rent developments.
Presence in Maryland: A top capital provider in MD 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
20. Kiavi Kiavi leverages modern technology and data analytics to offer some of the fastest processing times in the hard money space, minimizing red tape and utilizing remote appraisals.
Presence in Maryland: High transaction volume across Maryland's major metros.
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
21. LendingOne LendingOne provides reliable, scalable capital to investors who require speed and efficiency. Their robust platform makes them a staple for high-volume flippers and institutional buyers.
Presence in Maryland: Dedicated MD lending presence supporting both single-family flippers and commercial 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
22. CoreVest Finance CoreVest is the leading lender for residential portfolio investors, specializing in large-scale liquidity solutions, portfolio blanket loans, and build-to-rent financing.
Presence in Maryland: Dominant in MD for investors bundling multiple rental properties.
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 Maryland such a strong market for direct hard money loans? Maryland possesses a unique combination of high-demand urban markets (like Baltimore) filled with distressed properties perfect for the BRRRR strategy, alongside high-yield coastal markets (like Annapolis) that drive immense short-term rental revenue. This creates consistent demand for short-term transitional capital and long-term DSCR loans.
Do I need a high credit score to get a hard money loan in Maryland? No. Most direct hard money lenders in Maryland underwrite the property rather than your personal financial history. Lenders look closely at the property's After-Repair Value (ARV) and your real estate experience. While some national platforms have minimum FICO requirements (usually around 620-660), many local boutique lenders require no minimum credit score at all.
What are the average interest rates for hard money in Maryland? Interest rates typically range between 9.5% and 13%, depending on the lender, your track record, and the loan-to-value (LTV) ratio. Borrowers can expect to pay 1 to 3 points in origination fees at closing.
Don't leave money on the table. Shop your real estate scenario on Lendersa.com today to instantly compare rates, terms, and leverage from Maryland's top lenders side-by-side!