Pick your loan
Each option fits a different project length. The pricing structure is the same on all three — only the term changes.
Sprint
3 months
1%
Origination Fee
13%
Interest
+ $995 flat fee
Quick flips. Light cosmetics. Experienced operators with confident, quick-turn timelines.
MOST POPULAR
Standard
6 months
3%
Origination Fee
12%
Interest
+ $995 flat fee
Typical fix-and-flip. Moderate rehab scope. The right answer for most borrowers and most projects.
Stretch
9 months
5%
Origination Fee
11%
Interest
+ $995 flat fee
Heavy rehab. BRRRR with refi exit. Complex permits. New construction-adjacent. Long-cycle projects.
Priced this way, funded this year
56 loans and $7.1M funded since 2023.
The HCF advantage
What you get on every deal — no matter which option you pick.
Up to 100% of renovation budget
Paid in draws as work is completed
Two 90-day extensions
Available at 2 points each
No prepayment penalty
Pay off any time, no fees
Estimate your loan cost
Enter your loan amount and how long you expect your project to take. We'll show you exactly what each option costs.
Sprint 3 months · 1% · 13% | Standard 6 months · 3% · 12% | Stretch 9 months · 5% · 11% | |
|---|---|---|---|
| Origination points | $2,000 | $6,000 | $10,000 |
| Flat fee | $995 | $995 | $995 |
| Extension fees | $4,000(1 × 2%) | — | — |
| Monthly interest payment | $2,167/mo | $2,000/mo | $1,833/mo |
| Total interest paid | $13,000 | $12,000 | $11,000 |
| Total cost | $19,995 | $18,995 | $21,995 |
Monthly interest is calculated on the full loan commitment from day 1. Extension fees apply automatically when the project length exceeds the loan's base term (2% per 90-day extension, up to two extensions). Estimate only — final terms based on deal specifics.
Want to run the whole deal, not just the loan? Investor calculators
How much of the purchase we'll finance
Based on your experience and the deal. These are starting points, not hard lines — we'll go slightly higher or lower depending on the deal.
95% financing
5% down on the purchase
Experienced operators with a strong deal
90% financing
10% down on the purchase
The most common option for most borrowers
80% financing
20% down on the purchase
For first deals or properties with extra complexity
What you'll bring at closing
No surprise fees. No hidden costs buried on closing day. Here's exactly what you'll wire to the title company.
Your down payment
5%, 10%, or 20% of the purchase price based on your financing tier.
Harvey Capital Funding's origination
1, 3, or 5 points (based on the loan option you pick) + the $995 flat fee.
Prepaid interest
Just enough to cover from closing day through the end of the month. Then we skip the next month entirely. Example: close April 15 → prepay 15 days → first monthly payment due June 1.
Third-party closing costs
Title insurance, recording fees, and property insurance — paid to the title company and insurer, not to us.
Not the cheapest lender in Virginia, by design
What you are paying for is certainty: a decision in a day, a closing date that holds, and a lender funding its own capital with no committee behind him. One missed closing costs more than a point.
See how a loan closes hereHarvey Capital is the best hard money lender I have worked with in my 22 years of real estate. The process is seamless, professional and quick. If you have a deal that needs funding, give them a chance to earn your business.
They were an absolute game-changer for my real-estate business and financial future. They had the unique ability to quickly analyze my deal, and took actionable steps to tailor a loan specifically for my needs. Underwriting & approval process was surprisingly stress-free and seamless. They were honest, professional, and incredibly knowledgeable. For the first time, I felt at peace with both my loan terms and the lender. I look forward to building a solid relationship with Harvey Capital Funding!
Standard pricing shown for qualifying borrowers. Final terms are based on deal specifics, borrower experience, and property condition. Harvey Capital Funding reserves the right to decline any loan request. All loans are business-purpose only; no consumer or owner-occupied loans. Past performance is not indicative of future results.