Real estate lending
Line of credit vs hard money. Run the real math.
Plug in your real numbers. See which one actually costs less, where the speed pays off, and how fast you get your capital back.
50+
States funded
$250M+
Capital deployed
15+
Yrs experience
600+
Min. credit score
The calculator
Run the numbers on your next flip
Set your rates, terms, and exit timelines for each loan. See which one wins all in, and which frees your capital sooner.
The deal
Taxes, insurance, utilities on the vacant property.
Hard money
Line of credit
%
Hard money, total cost
$0
Line of credit, total cost
$0
Capital back
0
The verdict
Apply for This Amount →
No hard credit pull. Pre-qualification in minutes.
Financing cost by hold period
Same hold on both, apples to apples. This is the money cost only, before holding costs.
Line of credit cost shown is interest only. The amortized payment is your real monthly cash outflow during the rehab, so keep reserves.
✓No prepayment penalties
✓No hard pull for pre-qual
✓24–72h approval
✓$25K–$5M available
✓Real people, straight answers
Frequently Asked Questions
Which costs less, a line of credit or hard money?
It depends on your hold period and rate. A line of credit usually wins on longer holds because you only pay interest on what you draw and there are no prepayment penalties, while hard money's speed and structure can make sense on very short holds. Run your real numbers in the calculator above to see which wins for your deal.
Is there a prepayment penalty on a Closer Capital line of credit?
No, our lines of credit have no prepayment penalties, so paying it off early doesn't cost you extra.
Does checking my rate for real estate financing hurt my credit?
No. There's no hard credit pull for pre-qualification.
How much real estate financing is available?
Funding for real estate programs ranges from $25K to $5M, depending on the deal.
How fast can I get approved?
Most applicants get a funding offer within 24–72 hours.
What are the requirements to qualify?
As a baseline, most programs call for at least 1 year in business and $100K+ in annual revenue.
Ready to move fast?
Get a funding offer in 24 to 72 hours. No hard pull for pre-qualification. Straight answers from real people.
Start Your Application →Approval in 24–72 hours • 1+ year in business • $100K+ annual revenue required
Estimates for illustration based on the inputs above. Not a loan offer or financial advice.