Hard Money Loans in Springfield, MO — Fast Capital for Real Estate Investors.
Hard money loans in Springfield and across Southwest Missouri — built for speed, flexibility, and local expertise. Fix-and-flip loans, rehab financing, and bridge loans for investors in Southwest Missouri — Greene, Christian, and Webster County.
Inquire NowBuilt for investors who move fast.
Fix-and-flip investors, wholesalers, and real estate professionals who need speed and certainty over bureaucracy. Local borrowers in Southwest Missouri — Greene, Christian, and Webster County preferred — but we evaluate every deal on its merits.
Four steps, no committee.
- 01
Submit your application at the Lendr portal.
- 02
We review the deal — not your credit score.
- 03
Terms issued within 24–48 hours.
- 04
Close in as fast as one day, and most loans in 7–10 business days.
We review the deal — not your credit score.
Three ways we fund.
Hard Money Loans
Short-term financing for fix-and-flip, rehab, and bridge scenarios. Asset-based underwriting — we evaluate the deal, not your credit score.
Apply nowDSCR Loans
30-year financing built for buy-and-hold rental properties, qualified on the property’s income rather than personal income. Submitted through our partner Summit Lending, NMLS #1850081.
Apply nowWholesale Guarantee
For wholesalers who need certainty. When a deal meets our criteria, New Heritage Group commits to fund it. If your buyer falls out, we fund the deal so that you don’t lose out.
Apply nowEverything, in writing.
- Loan amounts
- Up to 70% of ARV
- Terms
- Up to 12 months
- Rates
- 14% APR
- Fees
- Administrative Fee & Origination Fee
Fees apply. Your loan officer will walk you through the full cost of your loan before you commit.
Where we lend.
- Springfield
- Joplin
- Branson
- Nixa
- Ozark
- Republic
- Bolivar
- Lebanon
- Monett
- Neosho
and across Southwest Missouri
Don’t see your market?
We evaluate deals on a case-by-case basis. Send us your deal to see if your property qualifies.
Send us your dealQuestions, answered.
- What does the administrative fee include?
- The administrative fee includes your borrower portal onboarding, legal documents for the loan, the recording fees needed to make your loan official, and a dedicated loan officer to help you close your deal as quickly as possible!
- What is the origination fee for?
- The origination fee is what allows us to help you close so quickly. By charging an origination fee, we can access capital sources that most borrowers cannot access on their own, which allows us to provide our clients quicker funding timelines than any other lender.
- Can I extend my loan?
- Extensions are available in 30-day increments. Your loan officer will walk you through the cost before you commit.
- What is a loan modification?
- A loan modification extends your maturity by six months with no early payoff penalty. Your loan officer will walk you through the cost before you commit.
- What collateral do you lend against?
- Residential and small multifamily property.
- How fast can you close?
- With a clean title we have funded in as little as one day. Most loans close in 7–10 business days.
Capital When Timing Matters
When traditional financing is too slow, unavailable, or no longer fits the deal, New Heritage Group can help borrowers keep projects moving. If you need capital for your next real estate investment, connect with our team to learn more about available borrowing opportunities.
Inquire Now