Lending Criteria

Hard Money Depot lends throughout the United States, with the mortgage in the first lien position. Our standard terms start at 12 months and go up to 36 months with monthly extensions.


• Loan Amounts from $50,000 – $25,000,000
• Interest Rates from 9% – 12%
• Up to 80% LTV on purchase
• 12-36 Month Terms, with Extensions
• No Prepayment Fees
• No Hidden Fees
• Closing Time Average Two Weeks


Property Types
Commercial Loans for Single and Multi-Family investment properties (non-owner occupied). Apartment/condo complexes, warehouses, churches, land, building developments and more.


Loan Purposes
Purchases, Refinances (Rate/Term & Cash Out), Operating Capital, Rehab Costs and Capital Improvements


Rehab Funds/Draw Schedule
The finances are advanced in one to three draws needing details and photos for proof that each segment of work has been complete before the next draw is given.


Loan Types
Bridge Loan Financing, Construction Loans, Member Buyouts, Distressed, Foreclosures, REO and Short Sale residential properties




Hard Money Depot, LLC

Office: 877-774-4251
Fax:     877-866-8187

Judith Acampora, Owner

230 East Main Street
Branford, CT 06405
Direct: 203-623-9452

Torri Clayton, Owner

332 Malcolm X Blvd.
Brooklyn, NY 11233
Direct: 646-764-2723