GetHardMoney.usAscend Capital LendingWho is GetHardMoney.us—and what do we do?
GetHardMoney.us is the investor-financing platform of Ascend Capital Lending. We help real estate investors, builders, and portfolio owners secure business-purpose financing for fix and flips, rental properties, ground-up construction, bridge loans, and complex commercial opportunities.
Our goal is to earn your trust and to become a valued resource to your team, deal after deal. We will always analyze the property, the borrower, the business plan, the timing, and the exit strategy—then use access to more than 200 lenders to pursue the structure that best fits the opportunity.
We solve the deal—not just quote the loan.
Bring us the deals others couldn’t get done.
Difficult does not mean impossible. When a deal falls outside a conventional lending box—or another lender cannot navigate the structure, leverage, property, documentation, or timeline—we look for the path forward. You get an experienced problem solver who anticipates obstacles, builds contingency plans, and stays personally engaged from first review through closing.
We are here for the long haul. Our relationship-based approach is built around earning your trust, closing this deal the right way, and becoming the financing resource you call for the deals that follow. We are not a fly-by-night, one-transaction operation—we want to understand your business, support your growth, and build a lasting relationship across multiple deals.
You’ll never have to wonder what is happening with your deal—or whether you’re getting the truth. Clear communication and uncompromising honesty are core to how we operate and why we succeed.
This site is dedicated specifically to non-QM loans—in other words, investor and business-purpose loans that do not fit the conventional lending “box.” If you are interested in a conventional, VA, FHA, USDA, or jumbo purchase, refinance, or HELOC loan, please visit ACLending.co or AscendCapLending.com. Investors seeking hand-picked realtors—and realtors looking to expand their business reach—can visit AscendInvestorNetwork.com to connect with opportunity.
Capital that moves
at the speed of opportunity.
Every property, borrower, and exit strategy is different. We analyze the full picture and structure a path that fits the deal.
Fix & Flip
Acquisition and rehab capital structured around the deal, the plan, and the exit—not a one-size-fits-all box.
Rental & DSCR
Long-term and short-term rental financing built around property cash flow, from a single door to a growing portfolio.
Ground-Up Construction
Financing for experienced builders and strong first-time projects, including land and construction costs.
Bridge & Mid-Rehab
A practical path forward for time-sensitive acquisitions, stalled projects, and properties that do not fit the usual mold.
Commercial, Special Use & Multifamily 5+
Flexible financing for income-producing commercial properties, special-use assets, and multifamily properties with five or more units.
Illustrative program highlights only. Actual leverage, rates, terms, eligibility, and closing times depend on current guidelines and complete underwriting.
Complex deals need more than a lender.
They need a proven problem solver.
Bill Rance brings more than 30 years of experience across real estate lending, brokerage, construction, and investing. He has worked on multiple sides of the transaction, understands how problems develop, and knows how to uncover options that are easy to miss when a deal is reviewed through only one narrow lending lens.
Experience on every side of the transactionDecades in lending, brokerage, construction, and investing create a practical understanding of the property, the borrower, the numbers, and the exit.
A career built around solving difficult problemsBill does not stop at identifying why a deal is challenging. He works through structure, leverage, liquidity, documentation, timing, and lender fit to find the most workable path forward.
Strategy—not simply a loan quoteEvery scenario is evaluated as a complete business decision, with attention to current needs, potential obstacles, and the borrower’s longer-term goals.
Persistence when the deal gets complicatedBill anticipates obstacles, communicates clearly, and remains personally engaged from the initial review through closing—especially when a standard process is not enough.
“When others say no, we say we can—and even more importantly, we do.”
See the leverage.
Then let’s talk.
Use this simple scenario tool to get an illustrative starting point for a fix-and-flip conversation.
Prefer to talk it through? 850.583.1555 ↗Test the project.
Before you build.
Estimate a potential starting point using project cost, completed value, recent ground-up experience, and available liquidity. This is a planning tool—not a loan quote.
Have Bill review the project ↗A lender who has built, flipped, designed, and solved.
Bill Rance brings more than three decades across real estate lending, brokerage, construction, and investing. That firsthand perspective matters when the deal is complicated and the clock is moving.
GetHardMoney.us is backed by Ascend Capital Lending powered by Loan Factory—a problem-solving mortgage platform created for borrowers and partners who need strategy, persistence, and practical solutions.
From opportunity
to funded.
Share the deal
Property, price, scope, experience, credit range, and your exit strategy.
Build the strategy
We assess the full picture, identify obstacles, and match the right program.
Move with clarity
Gather the required documents, complete underwriting, and keep title moving.
Close & scale
Fund this opportunity—and build a financing relationship for the next one.
Frequently asked
questions.
Have a scenario that isn’t covered here? That is usually the conversation worth having.
What is a hard money loan?+
A business-purpose loan secured by investment real estate. It is typically used when speed, property potential, or deal complexity matters more than conventional underwriting.
How quickly can a loan close?+
Complete, straightforward files can often close in 5–10 business days. Timing depends on the property, documentation, appraisal needs, title, and loan structure.
Do you work with first-time investors?+
Yes. We have options for first-time investors as well as experienced operators. The strength of the deal, liquidity, credit profile, and a sound exit strategy all matter.
What property types do you finance?+
Programs include 1–4 unit investment properties, multifamily, rentals, condos and condotels, mixed-use, commercial, new construction, and select land scenarios.
Are these loans available nationwide?+
We work with a broad national lending platform. Program availability and terms vary by state, property, borrower profile, and current underwriting guidelines.
Let’s find the
path forward.
Tell us the essentials. We’ll start with the deal and help you understand the next best step.