How to Get Pre-Approved for a Hard Money Loan: What Real Estate Investors Need to Know

Written By Michael Nimaroff

Disclaimer: This blog is for informational purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified professional before making financial decisions.

When you’re moving fast in a competitive real estate market, having your financing lined up can give you the edge. That’s why many savvy investors pursue pre-approval for hard money loans before even making an offer.

At QuickLend Capital, we offer fast, no-nonsense pre-approvals that help real estate investors in Texas, Georgia, Florida, New York, and the Carolinas move with confidence.

What is a Hard Money Pre-Approval?

A hard money pre-approval is a lender’s preliminary review of your deal scenario, credit profile, and general borrower background to determine if you qualify for funding—and how much.

It gives you:

  • Proof of funding readiness

  • Negotiating leverage with sellers and agents

  • A head start on closing once a deal is in contract

Unlike traditional mortgage pre-approvals, hard money pre-approvals focus on:

  • The property value or ARV

  • The borrower’s experience and credit

  • The deal structure and exit plan

What You Need for Pre-Approval

Getting pre-approved with QuickLend Capital is simple and fast. Most borrowers submit:

  • Entity/LLC info (if applicable)

  • Credit check authorization (we prefer 660+ FICO)

  • Recent deal history or portfolio summary (optional but helpful)

  • A sample deal scenario: target purchase price, rehab budget, ARV, and location

How Long Does It Take?

With the right information, we can issue a pre-approval within 24 hours—sometimes same-day.

Does Pre-Approval Guarantee Funding?

No—but it significantly increases speed and certainty once a deal is under contract. Final approval is subject to:

  • A completed application

  • Appraisal and title

  • Final review of borrower docs and rehab budget (if applicable)

Why Pre-Approval Matters

  • Win competitive offers by showing you're ready to close

  • Get faster processing when a real deal hits your desk

  • Build trust with agents, wholesalers, and sellers

  • Avoid deal fatigue by streamlining your path to funding

Why Work with QuickLend Capital?

We specialize in hard money loans for real estate investors—no fluff, no unnecessary red tape.

  • Pre-approvals in 24 hours

  • Up to 90% purchase / 100% rehab financing

  • Minimal documentation

  • Personalized scenario review

  • Lending across Brooklyn, Dallas, Atlanta, Tampa, and beyond

Want to be ready when the right deal comes along?
Contact QuickLend Capital today and get pre-approved before you shop.

Michael Nimaroff
Next

How Much Can You Borrow with a Hard Money Loan? Understanding LTV, ARV, and Leverage