Hard Money Lender

West Forest Capital is a Connecticut hard money lender, financing real estate investments up to $2 million. We have gained a reputation as the fastest hard money lender in Connecticut because we know how critical each day is in Connecticut’s competitive real estate market.

  • We are a direct lender, not a broker
  • Same day pre-approval
  • Funding in 3-5 days, although 1 day is possible
  • Loan amounts up to $2 million

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Property Types

Lending Parameters

Loan Size$100,000 to $3,000,000
LTC70–90% of the Purchase Price
Rehab FundingUp to 100% of the cost
LTVUp to 75% of the ARV
Term12–36 months
LienFirst Lien; Second Lien as additional collateral only
Interest Rate9%–12%
Points1–3% of the loan amount

Recently Funded Hard Money Loans

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Jersey City, NJ

Case study: Newark property rehab
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Newark, NJ

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Elizabeth, NJ

Why Use a Hard Money Loan

  1. If you need funding fast. While a typical bank may take months to review your loan application, West Forest Capital offers same day hard money loan approval, and funding within 3-5 days.  In an emergency situation, we can even fund in 1 day!
  2. If the property isn’t stabilized. Sometimes, it’s not a question of time, but it’s the actual property that a traditional bank won’t finance.  Examples include a property that requires rehab, missing a Certificate of Occupancy (CO), or does not have a strong rental history.  Hard money lenders such as West Forest Capital will be able to fund the property when a bank can’t.
  3. If you have poor credit.  West Forest capital understands that events that negatively influence one’s credit score can happen from time to time.  Therefore, we mostly consider the value of the property, rather than FICO score or debt-to-income ratios when considering funding a loan.
  4. If you don’t want to take a loan in your personal name.  A traditional bank is likely to require that a property is owned directly by an individual they are making the loan to.  If you would like to own the property in an LLC, or if you own too many properties for a bank to finance you personally, a hard money loan is a great option.

Why Choose A Connecticut Hard Money Lender

Having been a hard money lender in the tri-state area for years, we’ve gotten to know Connecticut pretty well — this fact helps our borrowers big time.  Why? Because unlike national lenders or lenders only familiar with the NY/NJ market, we actually understand the value proposition in the various parts of CT and don’t just focus on one area of the state.  If you’re looking for a hard money loan in Bridgeport or Greenwich, Stamford or Danbury, Hartford or New London, we lend in the entire state!


Financing your Connecticut Investment Property

While it lacks a major city, Connecticut is well distributed by population density, resulting in, relative to its size, a large area of economic activity. The dominant industry in CT is insurance representing a $16bn payroll, more than $3.5bn more than the next largest industry. However, bioscience, media and large scale manufacturing also play a key part in the state’s economy.

Some real estate stagnation has created significant opportunities to purchase properties below market value, and has also increased the margins associated with rehab projects.

Asset-backed Lender Focused on Customized Solutions

With our knowledge of the Connecticut fix and flip market, West Forest Capital is able to structure creative transactions that fit your hard money financing needs.  We fund loans based on the value of the asset so in some cases we were even able to finance more than 100% of the purchase price and rehab amount. 

West Forest Capital also offers the longest hard money loan available on the market (3 years), ideal for buy and hold investors.

Give us a call or apply for a loan today!

We Value our Broker Relationships

West Forest Capital is the fastest Hard Money Lender in Connecticut

Connecticut Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a Connecticut hard money lender, give us a call

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A Connecticut direct lender you can rely on