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Hard Money Loans

Hard Money Loans for Real Estate Investors in Seattle, Spokane, Tacoma, & Washington State


Our Services

Rehab Loans

Custom rehab hard money loan.

All-in-One Loans

Pay for acquisition and rehab.

Funding in 48 Hours

Start your project quickly.

No Appraisals or Inspections

Just send us 15 Photos.

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No Washington Investment Too Big Or Too Small

In competitive housing markets like Seattle, Bellevue, and Tacoma, with multiple offers on every potential real estate investment property, the use of a hard money loan gives you the advantage of presenting all cash offers for fast closings. As local real estate hard money lenders, Intrust Funding has provided funds to Washington investors since 2009. With over 1,000 loans funded, and a less than 1% default rate, our experts are the choice of both beginning fix and flippers and seasoned buy and hold veterans alike.

Hard money loans are short-term lending instruments used by real estate investors to finance investment projects quickly. It allows an investor to prepare a property for sale or rent as quickly as possible. Hard money lenders provide quick cash for time-sensitive projects.



Years Established

Completed Projects

Recently Funded Hard Money Loans in Washington

Kirkland, WA | Hard Money Loan $1,017,257

Kirkland, WA | Hard Money Loan $1,017,257

Rare opportunity in Finn Hill. Stunning & thoughtfully renovated home in Kirkland. Entertain in style with this professionally designed, open concept, 4 BD, 3 BA home. Featuring vaulted ceilings, a custom gourmet kitchen with large quartz waterfall island, high-end black ss appl & distinctive lighting. This signature home boasts 3 fireplaces, entertaining deck, private hot tub w/a lower-level great room, 4th bedroom & kitchen/wet-bar. Focused on design, function & attention to detail, this home offers elegant living w/superb finishes artfully melding both traditional & modern elements. Minutes to Juanita Beach, Saint Edwards Park, Village at Totem Lake & Downtown Kirkland. Top-rated School Dist with easy access to Google/Microsoft/Bellevue.

Redmond, WA | Hard Money Loan $1,789,939

Redmond, WA | Hard Money Loan $1,789,939

Traditional meets modern luxury…This Burnstead-built home leaves no stone unturned. Located in the sought-after Education Hill community – enjoy ultimate privacy on an oversized 15,005 SQ FT corner lot. With 3,330 SQ FT of the ideal floorplan for entertaining…This home boasts a formal dining room, living room, main-floor bedroom, ¾ bathroom, family room & kitchen with eating space all on the main-floor, as well as a wrap-around patio providing panoramic views. The primary suite comes equipped with vaulted ceilings, a 5-piece master bath w/ free standing soaking tub, & custom built-in closet system. Upstairs bedrooms w/ included access to Jack & Jill bth. Your favorite restaurants, shops, parks & amenities are just steps away. Welcome home!

Kirkland, WA | Hard Money Loan $497,747

Kirkland, WA | Hard Money Loan $497,747

Freshly renovated open concept four-bedroom home with delightful entertainment sized deck. Sparkling new kitchen cabinets, appliances, and quartz countertops open to the living room with beautiful, engineered hardwood floors. Primary bedroom with adjoining renovated bathroom along with two additional bedrooms and another renovated bath completes the main floor. Downstairs you will find a large family room, three-quarter bath, laundry room, a fourth bedroom or office, and attached two car garage. This home backs up to a greenbelt and perched above the street for maximum privacy.

We’ve Been Funding Washington Investments For Over 11 Years

As local real estate investors, Will Heaton and James Dainard have invested in hundreds of properties in Washington state. When they were just knocking on doors and doing a few deals a year, they realized that more often than not, deals would come about that needed closing fast, but because of bank regulations, it was impossible to secure funds for real estate investments through traditional means. That’s how Intrust Funding was formed: hard money lenders founded by investors, for investors.

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Let’s Invest in Washington Together

Intrust Funding specializes in fix and flip loans, used as part of the BRRRR Method. In fact, investors and developers can typically receive same-day prequalification and their first loan draw within 48 hours of closing!

Rehab Loan

The advantage of a rehab loan is it offers funding for real estate investors who are interested in renovating single and multifamily residential properties.

Investors and developers in need of a renovation loan know the timeframe at which cash can be available and the amount of cash they can receive are crucial factors for determining the best rehab lenders. In fact, the renovation construction loan is one of the few ways new investors and developers level the playing field with cash rich, experienced players.

A rehab loan from Intrust Funding is a hard money loan from a private lender, meaning no regulations to slow the process, no banking hoops to jump through, and fast funding, within 48 hours of closing the deal. And, since we deliver asset based loans, there are no minimum credit score requriments.

As a hard money lender, Intrust Funding is a fast-acting, all-cash delivery loan provider. We’re experts in every aspect of the renovation loan process, from origination, to funding and servicing. As the leading, local hard money lender of Western Washington, from Seattle and Bellevue to Tacoma, Everett, and more, our process is streamlined and transparent, and our value is second to none.

Is a Rehab Loan Right For You?

Determine whether a rehab loan is best for you:

  • What is the cost of acquisition?
  • What is the cost of renovation?
  • What is the after repair value of your new acquisition?

With up to a 90% loan to value lending opportunity, Intrust Funding presents individualized funding options with flexible terms. Rehab loans beginning at $50,000 and exceeding $7,000,000, with no limit on the number of properties we can fund.

Bridge Loan
A bridge loan is named after its function: to bridge the gap between an immediate funding need and permanent financing. Because it is not used for long term financing, it is sometimes called an interim loan or interim financing. A bridge loan is a short term loan.

Real estate investors use bridge loans for home purchase, as having cash on hand to close a deal can, at times, be the only leverage a buyer has in very competitive markets. It is also not uncommon to use a bridge loan for down payments, closing costs, and fees. For an investor who wants to maintain cash position while closing several deals in the span of a few weeks, this is an effective option. Similarly, a construction bridge loan provides investor capital to jumpstart construction and rehab projects.

Overall, a real estate bridge loan works by providing fast capital for investors to close deals, real estate professionals to improve properties, and contractors to fund construction and rehab projects. Typically because these loans originate from hard money lenders, and not mortgage lenders, a home buyer wouldn’t use this loan to buy a new home or to update an existing home they currently occupy.

How do bridge loans differ from traditional mortgage loans?

Intrust Funding is a private lender serving Western Washington. As a private money lender, we differ from traditional lenders because our loan requirements are not subject to federal banking regulations, nor do we have to make our loan offers contingent on credit scores. Since we are an equity loan lender, a bridge loan from Intrust Funding is underwritten by the After Repair Value (ARV) of the acquisition or by the value of other properties owned by the borrower.

The advantage of the bridge loan lender system is manifold. For one, it diminishes the barrier to entry for new investors. Bridge loan terms, as equity based loans, have significant differences to traditional mortgage loans, particularly the fact that these loans do not depend on a borrower’s credit score. For a home equity loan, bad credit is not a huge factor. Furthermore, a bridge loan allows an investor to be adapt to always fluctuating market conditions, purchase properties with cash, and fund rehab and construction projects without diminishing cash position.

Who Uses Bridge Loans?

Intrust Funding Is Washington State’s Proven Hard Money Lender

  • Developer
    • Needs a bridge to span the gap between funding construction on a new rehab project and permanent financing.
    • Purchases an apartment complex and requires a bridge loan for renovation and operation while locating renters.
  • Investor
    • Desires leverage to close a deal quickly on a prime real estate opportunity.
    • Plans to build a real estate empire, but is new to the industry, and has little cash on hand.

Bridge Loans for Rental Property

For landlords and property managers interested in renovating their properties, traditional financing options typically require tenant payment history to secure a loan. Yet, a bridge loan from Intrust Funding will be based simply on the ARV of the asset, allowing developers and investors to easily apply for loans and quickly receive cash for real estate projects.

With no restrictions or limits on the number of assets that can be used to secure bridge loans, you can get a bridge loan for all your property rehab, acquisition, and construction needs.

Bridge Loan ROI

By increasing the value of equity in real estate investments quickly and with cash, the real estate bridge loan is in high demand. Upgrade your property, prepare rent-ready product, and attract new renters. Paying off the loan can be done all at once, without penalty, or through a monthly payment plan during the duration of your loan.

Quick Facts about Intrust Funding’s Bridge Loan Program

  • Up to 90% Loan-to-Value
  • First Draw within 48 Hours of Closing
  • Loan amounts: $50,000 – $7,000,000*
  • No limit on the number of properties
  • Residential, small multi-family, and small commercial
  • Loans are available to individuals, trusts, corporations, and limited partnerships
  • Property must be non-owner occupied*Loan amounts, terms, and conditions are negotiable on a case-by-case basis.

For real estate investors, a bridge loan from Intrust Funding means quick access to cash, transparency throughout the lending process, and a reliable lender for all future projects. With no limits on the number of bridge loans or properties we will finance, we are your long-term solution to every short-term cash flow problem. Our hard money bridge loans are based on property equity, and we can provide same-day qualification in most cases. Fill out our prequalify form or call a representative to begin the process today!

Cash Out Refi Loan
A refinance loan delivering a cash out option does exactly what you think: provides hard money based on refinanced equity. What this mean is that you can refinance an existing loan or mortgage for a larger amount than the original, and receive a percentage of the refi in cash.

Cash out refi loans for residential, multifamily, and small commercial properties have become very common hard money loans in today’s market.

As traditional lenders are restricted by specific regulations, private money lenders like Intrust Funding, who focus on equity based loans, have become industry lending leaders. We are fast refi lenders, hinging our loan terms on equity rather than borrower history and financials. That makes our cash out refinance loan program one of our most popular.

Refi Loan Scenarios

Situations where a refinance loan is advantageous include when investors:

  • Maintain a Free and Clear Property
  • Purchase another property
  • Cross another Property
  • Pay for Tenant Improvements
  • Pay for Rehab Work on a Distressed Property

Whether you are a property manager improving a property, a real estate investor looking to acquire another property, or a developer looking to leverage a free and clear property to have cash on hand, our cash out refinance loan is just what you are looking for.

Client Testimonials

“I highly recommend Intrust Funding. I recently funded my latest two apartment projects with them. Carolyn was so great to work with! The process was very smooth and painless. I definitely hope to do more deals with Intrust in the future.”

Gary Gustafson

“I recently funded my first fix-flip through Intrust Funding. Their team walked me through the process, coached me on the best option for my flip and I was funded in 2 days! I likely would have lost out on the deal without Intrust. Super fast, friendly, and easy. I’m looking for my next flip now and definitely will use, and recommend Intrust Funding!”
Brian Spring

“I was treated with out a doubt fantastic, Kyle Johanson and his team put my financing in place fast easy for me. They have given me an opportunity of a lifetime. It’s a commercial building ( self storage ).
I highly recommend Intrust Funding.”
Hans Svendson

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