Hard Money Lender in Edison, NJ
Rates Starting at 10%
West Forest Capital is a trusted hard money lender based in New Jersey, offering financing for real estate investments up to $3 million. Among hard money lenders in Edison and throughout New Jersey, we have earned a strong reputation for being the fastest and most reliable option. We understand how every day counts in Edison’s highly competitive real estate market, which is why we prioritize quick approvals and efficient funding.
- 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 $5 million
The Trust We've Earned
Property Types
- Multi-family
- Single-family Investment Properties
- Condominiums
- Apartments
- Co-ops
- Retail
- Small Office Buildings
- Industrial & Warehouse
- Duplex
- Triplex
- Quadplex
- Mixed-Use
Lending Parameters
Loan Size | $100,000 to $5,000,000 |
LTC | Up to 80% of purchase price |
Rehab Funding | 100% |
LTV | Up to 70% of the ARV |
Term | Standard is 12 months. 24-36 months is available |
Lien | First lien; second lien as additional collateral only |
Interest Rate | 10%–12.5% |
Points | 1.5–2% of the loan amount |
Counties Covered
West Forest Capital lends in the following counties in New Jersey:
- Hudson County
- Bergen County
- Passaic County
- Essex County
- Morris County
- Sussex County
- Warren County
- Union County
- Somerset County
- Middlesex County
- Hunterdon County
- Mercer County
- Monmouth County
- Burlington County
- Ocean County
- Atlantic County
- Cape May County
Read more about getting a hard money loan in the following areas:
Hard Money Loans in New Jersey - Areas We Serve
Recently Funded Hard Money Loans

Jersey City, NJ

Newark, NJ

Elizabeth, NJ
Why Use a Hard Money Loan
- If you need funding fast. Traditional banks often take weeks or even months to process loan applications and deliver funding. In contrast, West Forest Capital is known for providing same day approval for hard money loans, with actual funding completed within just 3 to 5 business days. In urgent cases, we can expedite the process and provide funds as quickly as 1 day to meet your emergency needs.
- If the property isn’t stabilized. It is common for banks to decline financing on properties that require significant repairs, lack a valid Certificate of Occupancy (CO), or have inconsistent rental income history. Hard money lenders like West Forest Capital specialize in funding such properties that traditional lenders avoid, providing the necessary capital to invest in or rehab challenging real estate.
- If you have poor credit. West Forest Capital recognizes that credit scores may not always tell the full story. Events beyond your control can negatively impact credit, but we primarily assess the property’s value rather than relying on your FICO score or debt-to-income ratio when evaluating loan applications, offering you greater flexibility in financing.
- If you don’t want to take a loan in your personal name. Conventional banks usually require the borrower to hold title to the property personally. However, if you prefer to hold ownership under an LLC or already have multiple properties that limit personal financing options, a hard money loan from West Forest Capital is an excellent solution to keep your personal name separate from the property’s loan.


Why Choose An Edison Hard Money Lender
Back in 2013, our very first loan was made right here in New Jersey, and we take great pride in being a local hard money lender throughout the state. For instance, we are familiar with rent regulations in towns near Edison and can guide you through complex local rules. If you need help with permits, we can walk you through the process in neighboring areas such as Plainfield, Jersey City, and Union City. We understand the unique character of towns around Edison and are proud to support investors throughout New Jersey.

Financing Your Edison, NJ Investment Property
The real estate market in Edison, New Jersey, benefits greatly from its strategic location near major urban centers like New York City and Philadelphia. The area boasts a robust local economy supported by industries such as pharmaceuticals, financial services, and advanced manufacturing. This economic strength translates into a highly active real estate market with ample opportunities for investors to acquire and improve properties. West Forest Capital, a trusted New Jersey hard money lender, stands ready to assist you in securing financing for your Edison property investments, helping you navigate this competitive market successfully.

Asset-backed Lender Focused on Customized Solutions
Leveraging our deep expertise in the Edison fix and flip market, West Forest Capital designs flexible loan structures that perfectly align with your hard money financing requirements. We evaluate loans primarily based on the asset’s value, which in some instances has enabled us to finance beyond 100% of the combined purchase and renovation costs. Additionally, West Forest Capital provides the most extended hard money loan term in the market, lasting up to three years, which is especially beneficial for investors focused on holding properties long term.
Reach out today or submit your loan application to get started.
Frequently Asked Questions: Hard Money Loans Edison, NJ
What are hard money lenders?
How do Edison hard money loans work?
What do hard money lenders look for?
Because a hard money loan is classified as a commercial loan, lenders in this space will not provide financing to individuals but exclusively to LLCs. If you don’t yet have an LLC, there is no need to worry; it is straightforward to establish one, and it can have just a single member, which can be yourself.
Hard money lenders carefully review both the purchase price and the after-repair value (ARV) of the property to ensure that the loans they issue will be repaid. Purchasing a property at or below market value is a critical factor in securing financing. When rehab funds are part of the loan, the lender will closely monitor that repairs are completed according to the agreed timeline and schedule. It is also crucial that the property’s title is free and clear. Any liens, judgments, or claims against the property or the LLC borrowing the money must be resolved before loan disbursement.
For a hard money lender, it is vital that the borrower is engaging in an investment or transaction likely to be profitable. Essentially, the lender wants you to succeed in your real estate venture so they can recover their loan. To achieve this, the lender assesses whether there is sufficient “spread” in the deal; meaning, the after-repair value covers the purchase price, rehab expenses, loan interest, closing costs, and any other fees, with enough margin left to make the investment worthwhile for you.
What is hard money used for?
A hard money loan is commonly used in several real estate investment situations:
- To finance the purchase and rehabilitation of properties that traditional lenders avoid because of the property’s condition or the borrower’s credit history. After the rehab is complete, these properties are usually sold to retail buyers, a process known as a “fix and flip.”
- To acquire and renovate rental properties that banks decline to fund. Once the rehabilitation is finished, the property becomes “stabilized” and can then be rented out, making it eligible for a conventional refinance at a lower interest rate.
- To handle purchases with strict deadlines that traditional banks cannot meet, such as buying homes at foreclosure auctions. Direct hard money lenders often close deals in less than a week, whereas banks might take several months.
- To rapidly access equity tied up in an already-owned property by using it as collateral in a cash-out refinance transaction.
To quickly refinance an existing mortgage that is approaching maturity in order to prevent default or penalties. - To purchase real estate in the name of an LLC. Because traditional banks rarely lend to LLCs, direct hard money lenders offer greater flexibility for property ownership outside of an individual’s personal name.
Are hard money loans the same as flip loans?
Hard money loans and flip loans are closely connected but not exactly the same. Hard money loans are provided by private lenders, such as West Forest Capital, and serve a wide range of real estate investment needs, with a primary focus on the property’s value rather than the borrower’s credit score. Flip loans are a specialized type of hard money loan designed specifically for investors who want to purchase, renovate, and then quickly sell properties for profit. While every flip loan falls under the category of hard money loans, not every hard money loan is intended for flipping; they may support other real estate investment strategies as well.