Hard Money Loans in Kettering, OH
Close in 2-4 weeks with our flexible hard money loans. Whether you're fixing and flipping, bridging to permanent financing, or need fast capital for your next deal, we have the solution. Serving Kettering, Montgomery County, and surrounding areas. We also lend nationwide from our Cincinnati headquarters.
Hard Money Loans - Kettering, OH
Close in 2-4 weeks with our flexible hard money loans. Whether you're fixing and flipping, bridging to permanent financing, or need fast capital for your next deal, we have the solution.
Loan Details:
- Amount: $75,000 - $20,000,000
- Rates: 9-14% (varies by deal structure)
- Terms: 6-24 months
- Closing: 2-4 weeks after complete package
Requirements:
- Credit: 600+ preferred (exceptions for strong deals)
- Down Payment: 10-25% (varies by property type)
- LTV: Up to 90% of purchase price or ARV
Why Choose Hard Money Loans in Kettering?
Fast Closings
Close in 2-4 weeks after receiving complete documentation. When opportunity knocks, we answer with efficient approval processes.
High LTV Ratios
Access up to 90% LTV on your investment properties. Maximize your leverage and preserve capital for other opportunities.
Asset-Based Approval
We focus on the property value and deal potential, not just your credit score. Past credit issues? Not a problem for strong deals.
Flexible Terms
Customize your loan structure with interest-only payments, flexible prepayment options, and extension possibilities.
Direct Lender
Work directly with decision-makers. No middlemen, faster approvals, and personalized service from experienced professionals.
Multiple Exit Strategies
Options for refinancing, extending, or rolling into your next project. We support your long-term investment strategy.
Explore All Financing Options in Kettering
In addition to the current financing option, we offer these loan programs in Kettering, OH:
DSCR Loans
Qualify based on property cash flow, not your personal income. Perfect for real estate investors with multiple properties or self-employed professionals.
- No Tax Returns
- No Employment Verification
- Up to $5M
Business Credit Lines
Access revolving credit lines up to $250,000 with no collateral required. Use funds as needed and only pay interest on what you draw.
- Up to $250K
- No Collateral Required
- Fast Approval
Bridge Loans
Close the gap between selling and buying, refinancing, or any situation requiring temporary financing. Fast approvals and flexible terms designed for real estate investors and property owners.
- 5-10 Day Funding
- Up to $15M
- Flexible Terms
Fix and Flip Loans
Get the capital you need to acquire and renovate properties for maximum profit. We fund both purchase and renovation costs with flexible terms designed for house flippers.
- 90% Purchase + 100% Rehab
- 7-10 Day Funding
- Interest-Only Payments
Private Money Loans
Work directly with private capital for maximum flexibility. When traditional lenders say no, private money says yes. Perfect for complex deals, unique properties, or challenging situations.
- Direct Private Capital
- Creative Structuring
- Fast Decisions
SBA Loans
Access affordable, long-term financing backed by the Small Business Administration. Perfect for business purchases, real estate, equipment, or expansion with favorable rates and terms.
- Up to $5M
- Long-Term Financing
- 10-25 Year Terms
Equipment Financing
Finance essential equipment without depleting cash reserves. From heavy machinery to technology, we provide competitive rates and flexible terms designed to preserve working capital.
- 100% Financing
- Up to 7 Year Terms
- All Equipment Types
Working Capital Loans
Quick access to capital for everyday business expenses. Bridge cash flow gaps, purchase inventory, cover payroll, or seize time-sensitive opportunities.
- Up to $500K
- Same-Day Approval
- Flexible Repayment
Construction Loans
Finance new construction projects with draw-based funding as your project progresses. Whether building residential, commercial, or ground-up development, we provide the capital you need.
- Up to 85% LTC
- Draw-Based Funding
- New Construction
Learn More About Hard Money Loans
Common Questions
Get answers to frequently asked questions about hard money loans in Kettering, OH and nationwide.
Get a Fast Deal Review
25+ years experience. No obligation. Or call Terry directly: 513-226-9052.
Also Serving Nearby Cities
We provide the same fast financing in these nearby OH cities:
Other Financing Options in Kettering
Bridge Loans
Bridge loans in Ohio for real estate investors — short-term financing between transactions. Fast app...
- 5-10 Day Funding
- Up to $15M
- Flexible Terms
Fix and Flip Loans
Fix and flip loans in Ohio — purchase plus renovation funding for house flippers. Cincinnati-based J...
- 90% Purchase + 100% Rehab
- 7-10 Day Funding
- Interest-Only Payments
DSCR Loans
DSCR loans in Ohio — qualify based on rental income, no tax returns required. JT Capital Advisors se...
- No Tax Returns
- No Employment Verification
- Up to $5M
Areas We Serve in Kettering
We provide hard money loans throughout Kettering and the surrounding Montgomery County areas.
Based in Cincinnati, Serving the Region: We specialize in Kettering and Ohio markets, providing hard money loans across Ohio, Northern Kentucky, and Indianapolis with local expertise and personal service.
Ready to Get Started in Kettering?
Contact JT Capital Advisors today to discuss your hard money loans needs in Kettering, OH.
Frequently Asked Questions - Kettering, OH
Need Financing?
Fast approval • Flexible terms