A hard money loan is a short-term, real estate–backed loan built for speed and flexibility. Unlike banks that focus on credit scores, tax returns, and endless paperwork, hard money lenders base approval on the property and the deal itself.

At Equiquest, that means fast decisions, quick closings, and funding when you need it—so you can act on opportunities without getting stuck in bank red tape.

Speed is our edge. Equiquest can close in just a few days. Often faster than anyone else in the market. The only real slowdown is title work, but once that’s clear, we move quickly to get you funded.

That speed gives you the advantage to lock in deals and compete like a pro.

Equiquest lends on 1–4 unit residential homes across Nassau and Suffolk County. Condition doesn’t matter—whether it’s turnkey or needs a full rehab, we’ll fund it.

We focus on keeping risk low and deals strong. Most of our loans are capped at 65% loan-to-value (LTV) or less, with no ARV limits. Loan sizes typically range from $100,000 to $1,000,000.

Our rates are among the most competitive in the market, tailored to your experience and the specifics of the deal.

ARV is determined by a licensed appraisal. The appraiser looks at the property’s current value and adds the projected value of the planned rehab or construction, based on your specific scope of work. This is a simple, quick process.

1. Collateral – The property must make sense at our target LTV (loan-to-value).

2. Capacity – You need the ability to handle the project and carry costs.

3. Character – We value working with investors who are professional, reliable, and serious about closing.

If those three line up, the deal is fundable.