If you are a real estate investor or borrower looking to scale your portfolio in the Keystone State, securing fast, reliable capital is your biggest competitive advantage. Whether you are flipping rowhouses in Philadelphia, building ground-up developments in Pittsburgh, or acquiring rentals in the Lehigh Valley, working with direct hard money lenders in Pennsylvania ensures you can close deals quickly and compete with all-cash buyers.
To help you find the right capital partner, we have compiled a quick-reference table and a directory of 14 top-tier lenders.
Lender Name | Loan Amount Range | Primary Loan Types | Phone Number | Website |
Rehab Financial Group | $50,000 – $3,000,000 | Fix & Flip, 100% Rehab Financing | (610) 890-8512 | rehabfinancial.com |
Spring Garden Lending | $100,000 – $5,000,000 | Bridge, Fix & Flip, Ground-Up Construction | (215) 282-8440 | springgardenlending.com |
Pimlico Capital | $75,000 – $1,500,000 | Fix & Flip, Hard Money Bridge, 30-Yr DSCR | (410) 855-4600 | pimlicogroup.com |
I Fund Cities | $100,000 – $10,000,000 | Fix & Flip, New Construction, Portfolios | (215) 770-1505 | ifundcities.com |
Direct Mortgage Loan Co. | $50,000 – $2,000,000 | Commercial Bridge, Rehab, Land | (215) 844-1200 | dmlc-lending.com |
RBI Private Lending | $100,000 – $3,000,000 | Hard Money Rehab, DSCR, Construction | (800) 668-1004 | rbiprivatelending.com |
Approved Business Lending | $75,000 – $5,000,000 | Commercial Real Estate, Bridge Loans | (800) 749-5322 | approvedbusinesslending.com |
Prime Funding Group | $75,000 – $2,000,000 | Fix & Flip, Ground-Up, Bridge | (917) 268-3440 | primefundinggroup.com |
Ridge Street Capital | $75,000 – $2,500,000 | Fix & Flip, 30-Yr DSCR, Ground-Up | (786) 304-2751 | ridgestreetcap.com |
American Heritage Lending | $75,000 – $3,500,000 | Fix & Flip, DSCR Rentals, 1-Time Close | (866) 944-7220 | ahlend.com |
RCN Capital | $50,000 – $10,000,000 | Fix & Flip, 30-Yr DSCR, Construction | (860) 432-5858 | rcncapital.com |
Lima One Capital | $100,000 – $20,000,000+ | Rental Portfolios, Value-Add, Fix & Flip | (800) 390-4212 | limaone.com |
Kiavi | $100,000 – $1,500,000 | Fix & Flip, Bridge Loans | (844) 415-4663 | kiavi.com |
LendingOne | $75,000 – $15,000,000 | Fix & Flip, Rental Portfolios, Multi-Family | (866) 923-6157 | lendingone.com |
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14 Leading Private Capital Providers
Below is a detailed look at 14 direct hard money lenders in Pennsylvania.
14 Leading Private Capital Providers for Pennsylvania
1. Rehab Financial Group
Rehab Financial Group is a premier direct private money lender that stands out by offering 100% financing for purchase and rehab costs to experienced real estate investors. They are known for their localized underwriting expertise and personalized customer service without charging interest on un-drawn rehab funds.
Presence in Pennsylvania: Headquartered directly in Rosemont, PA, they have an intimate understanding of the local Philadelphia and broader state markets.
Loan Amount Range: $50,000 to $3,000,000
Loan Types: Fix & Flip, 100% Rehab Financing
Phone Number: 610-890-8512
Email: info@rehabfinancial.com
Website: rehabfinancial.com
2. Spring Garden Lending
Spring Garden Lending is a localized private bridge lender created specifically to serve the needs of real estate investors and developers building up the local community. They specialize in financing acquisition, renovation, and construction projects with highly flexible terms.
Presence in Pennsylvania: Headquartered in Philadelphia, PA, with deep operational roots across Eastern Pennsylvania.
Loan Amount Range: $100,000 to $5,000,000
Loan Types: Bridge, Fix & Flip, Ground-Up Construction
Phone Number: 215-282-8440
Email: info@springgardenlending.com
Website: springgardenlending.com
3. Pimlico Capital
Pimlico Capital is a direct, private money lender that brings a localized, in-house underwriting approach to real estate investors. They are highly active in the urban fix-and-flip and BRRRR space, closing bridge loans in as little as 5 to 10 days while offering seamless transitions into permanent 30-year rental financing.
Presence in Pennsylvania: While technically headquartered in neighboring Maryland, they maintain a massive, dedicated footprint in PA, funding over 100 loans recently in Philadelphia alone and serving investors statewide.
Loan Amount Range: $75,000 to $1,500,000
Loan Types: Fix & Flip, Hard Money Bridge, 30-Year DSCR Rentals
Phone Number: 410-855-4600
Email: info@pimlicogroup.com
Website: pimlicogroup.com
4. I Fund Cities
I Fund Cities is an alternative lending platform born out of the desire to provide real estate investors with reliable capital and an experience centered around speed, transparency, and true partnership. They were built by investors, for investors.
Presence in Pennsylvania: Deeply rooted in Philadelphia, PA, they fund a massive volume of urban rehabs and ground-up developments throughout the state.
Loan Amount Range: $100,000 to $10,000,000
Loan Types: Fix & Flip, New Construction, Rental Portfolios
Phone Number: 215-770-1505
Email: getfunding@ifundcities.com
Website: ifundcities.com
5. Direct Mortgage Loan Company
Direct Mortgage Loan Company is a private, boutique lender specializing in fixed-rate, short-term bridge financing specifically tailored for local real estate developers. They lend on raw land, rehab projects, new construction, and mixed-use commercial properties.
Presence in Pennsylvania: Headquartered on Germantown Ave in Philadelphia, PA, exclusively focused on Philadelphia and the immediately surrounding counties.
Loan Amount Range: $50,000 to $2,000,000
Loan Types: Commercial Bridge, Hard Money Rehab, Land
Phone Number: 215-844-1200
Email: info@dmlc-lending.com
Website: dmlc-lending.com
6. RBI Private Lending
RBI Private Lending is a dedicated local capital partner focused entirely on providing fast, reliable hard money to Pennsylvania's real estate investors. They bypass traditional credit score thresholds to focus purely on the property's potential.
Presence in Pennsylvania: Headquartered in Philadelphia, PA, deeply connected to the local urban and suburban distressed property markets.
Loan Amount Range: $100,000 to $3,000,000
Loan Types: Hard Money Rehab, DSCR, Construction
Phone Number: 800-668-1004
Email: contact@rbialliance.com
Website: rbiprivatelending.com
7. Approved Business Lending
Approved Business Lending leverages a network of specialists to find some of the cheapest and fastest capital options for real estate investors and business owners. They act quickly on both commercial and residential investment properties.
Presence in Pennsylvania: Headquartered in Huntingdon Valley, PA, providing hyper-local expertise for real estate investors across the state.
Loan Amount Range: $75,000 to $5,000,000
Loan Types: Commercial Real Estate, Hard Money Bridge
Phone Number: 1-800-749-5322
Email: info@approvedbusinesslending.com
Website: approvedbusinesslending.com
8. Prime Funding Group
Prime Funding Group is a specialized private money lender providing business-purpose real estate financing strictly to investors. They offer rapid, 24-48 hour approvals and fund up to 100% of the purchase and rehab costs for experienced operators.
Presence in Pennsylvania: Headquartered in Lancaster, PA, actively funding rehabs, ground-up builds, and BRRRR strategy properties statewide.
Loan Amount Range: $75,000 to $2,000,000
Loan Types: Fix & Flip, Ground-Up Construction, Bridge
Phone Number: 917-268-3440
Email: info@primefundinggroup.com
Website: primefundinggroup.com
9. Ridge Street Capital
Ridge Street Capital prides itself on simple, reliable, and fairly priced hard money loans for the local PA investor community. They feature a streamlined online application process and boast closing times in as little as 7 days.
Presence in Pennsylvania: Based directly in Philadelphia, they specialize in urban fix-and-flips, DSCR rentals, and new construction across the region.
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@ridgestreepcap.com
Website: ridgestreetcap.com
10. American Heritage Lending
American Heritage Lending specializes in tailored financing solutions for investors operating in dynamic markets, offering everything from zero-point to deferred-point loans. They fund up to 95% LTC (Loan to Cost) and typically do not require appraisals on their core products.
Presence in Pennsylvania: Deeply entrenched statewide, providing high-leverage capital to flippers in Philly, rental aggregators in Pittsburgh, and vacation property investors in the Poconos.
Loan Amount Range: $75,000 to $3,500,000
Loan Types: Fix & Flip, DSCR Rentals, 1-Time Close
Phone Number: 866-944-7220
Email: info@ahlend.com
Website: ahlend.com
11. RCN Capital
RCN Capital is one of the most dominant national direct private lenders, offering institutional-grade capital to real estate investors. They provide aggressive leverage and highly competitive rates for short-term rehabs and long-term holds.
Presence in Pennsylvania: Extremely active across the entire state, funding everything from single-family rowhomes in Philly to suburban rentals in Pittsburgh.
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
12. Lima One Capital
Lima One Capital acts as a full-cycle real estate capital partner, renowned for their in-house servicing and institutional backing. They cater to professional investors scaling their operations through value-add projects and large multi-family acquisitions.
Presence in Pennsylvania: A top capital provider statewide, backing large-scale developers and rental aggregators throughout PA.
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
13. Kiavi
Kiavi leverages modern technology and data analytics to offer some of the fastest processing times in the hard money space. Their streamlined tech portal allows real estate investors to close bridge and rehab loans with minimal red tape and low origination fees.
Presence in Pennsylvania: Headquarters in Pittsburgh. High transaction volume across Pennsylvania, heavily utilized by PA flippers who need to close quickly to beat cash buyers.
Loan Amount Range: $100,000 to $1,500,000
Loan Types: Fix & Flip, Bridge Loans
Phone Number: 844-415-4663
Email: Contact through web portal
Website: kiavi.com
14. LendingOne
LendingOne provides reliable, scalable capital to real estate professionals who require speed and efficiency. Their robust technology platform and dedicated account managers make them a staple for investors turning multiple properties per year.
Presence in Pennsylvania: Features a massive dedicated lending presence across Pennsylvania, supporting high-volume flippers and institutional BTR (Build-to-Rent) 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 through web portal
Website: lendingone.com
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Frequently Asked Questions
What are the average interest rates for direct hard money lenders in Pennsylvania?
Rates typically range from 9.5% to 13%, depending on your experience level, credit score, and the property's loan-to-value (LTV) ratio.
Do I need a high credit score to get a hard money loan in PA?
While a score above 680 yields the best rates, hard money lenders primarily underwrite based on the property's equity and After Repair Value (ARV). Many will fund deals with credit scores down to 620.
How fast can a hard money lender close in Pennsylvania?
Direct hard money lenders bypass traditional bank red tape, allowing them to close deals in as little as 5 to 10 days once title and appraisals are cleared.
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