Hard Money Lenders in US

Hard Money Lenders Warwick

Fast Warwick Hard Money Loans

Ready to close in less than a week

  • Interest rates 9.5 – 11.25%
  • Credit score 650+
  • Loan-to-Cost Up to 85%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments

Need financing for your upcoming real estate project? Get approved for a hard money loan in 10 minutes using our online application

Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Warwick.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in Warwick, RI.

Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Warwick. Interest rates from 9.5 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to 24 months. Hard Money Refinance Loans also available.

Get up to $5,000,000

Interest rate 9.5 - 11.25%

Origination fee from 1.875%

Up to 100% construction

More info



30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 7.00%, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

Get up to $2,000,000

Interest rate from 7.5%

Origination fee 3%

30-year fixed rate

More info


Ground Up

Designed for residential builders, our ground up construction loans can finance up to 85% Loan-to-Cost (LTC). Interest Rates from 9.5 - 11.50%

The perfect solution for builders in Warwick that need quick access to capital to fund construction costs.

Get up to $5,000,000

Interest rate 9.5 - 11.50%

Origination fee from 1.875%

Up to 24 months

More info



Apply online for a personal loan ranging from $1k to $100k. Rates start from 7%. Compare and apply to multiple lenders quickly and easily.

Get pre-approved online immediately, with final approval of the funds within 48 hours. Loan terms up to 10 years.

Get up to $100,000

Starting at 7% APR

No collateral required

Compare many lenders

More info

Warwick Hard Money Loans

Getting a traditional loan is a slow, drawn-out and exhausting process. At New Silver, our hard money loans are designed for real estate investors that value speed, efficiency and transparency. Offering house fix-and-flip, fix-to-rent and cash out refinance loans, our team of experienced real estate experts are available to get you capital and assist you with any hiccups that may come up along the way.

New Silver is unlike other hard money lenders in Warwick. As licensed real estate investment professionals, we know what real estate investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast loan closing and attractive rates. At New Silver, we specialize in hard money loans for single-family residential, but we can also cater to multi-family and commercial real estate projects. Contact our Warwick hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast, effecient, financing solutions with competitive interest rates, New Silver is the hard money lender for you.

New Silver lends in these cities:

and more.

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is a hard money lender with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 10 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs.

Frequently Asked Questions

Yes. New Silver is a private lender that offers short term loan products for house flipping projects, but we also have 30 year rental property loans for investment properties. We cater to real estate entrepreneurs hoping to build multi-family apartments with our new construction loans. You can also apply for a rehab loan, if your intention is to renovate a property.

Yes, New Silver is a direct lender that provides asset-based loans at scale. With asset-based lending, the underwriting process can be more lenient than conventional lenders. This is because the underlying value of the asset is more important than the financial background of the investor when setting the terms of the real estate loan. As a result, the financing and credit score requirements are less stringent than a conventional loan, income verification is not needed and the debt-to-income ratio of the borrower doesn’t matter. Plus, we can get you approved and closed within 7 days.

Yes. We offer ground-up construction loans to real estate developers who build single family (1-4 unit) residential properties.

Yes. Our fix and flip loans can act as a bridge loan for real estate investors with a loan term ranging from 6 to 24 months in duration.

More information, including the maximum loan amounts available, can be found on the loan product page.

The main reason fix and flip loans have higher interest rates than traditional bank loans is because of the risks involved in the transaction. Unlike a residential home purchase, a fix and flip project could run over budget or the real estate market could take a turn for the worse, making the property difficult to sell quickly. In other words, you could potentially lose money with a fix and flip. This risk is applicable to the borrower and the lender. The higher interest rate compensates for this risk.

On this point, it is also worth noting that the monthly payment of each New Silver hard money loan program works on interest only payments. This helps reduce the cash flow burdens of the investor while the project is underway.


The origination fee (loan points) is usually between 2-3%, but this varies with each deal. To work out the expected monthly payments, it is best to use our hard money loan calculator.

In short, yes. While our credit requirements are not as stringent as a traditional lender, we do review the credit history of all our borrowers when issuing a house loan. If you have any concerns about credit, we recommend reviewing the credit requirements on our loan product page. Additionally, you can reach out to our loan officers with additional questions.

  1. House Flipping Loan – Designed for house flippers
  2. Rental Property Loan – 30 year loan for investment properties
  3. Construction Loan – For new residential building projects
  4. Personal Loans – Unsecured personal loans for whatever you need


Right now, we do not specialize in commercial or mixed use properties. With that being said, our maximum loan amount should be big enough to cover both residential and commercial projects.

Right now, we do not offer a home equity line of credit product. However, we do offer Hard Money Refinance loans, which also allow you to tap into the home equity available to you. You can read more about this on our hard money loans page.

New Silver does not offer payday loans. However, we do offer personal loan products, which can provide additional cash flow for any projects, renovations and all other business activities.

Where We Lend

Hard Money Loans Across The US

Apply for a loan at New Silver today!

Ready to get started with your loan from New Silver? Get approved quickly.