Colorado real estate investors trust Evolved Lending to move fast, make decisions in-house, and fund the deals that traditional lenders won't touch. Asset-based lending without the red tape.
Hard Money — By the Numbers
Whether you're flipping a property, holding for cash flow, or bridging to your next deal, we have the capital and the expertise to get it done.
Speed and certainty are everything in fix-and-flip investing. Evolved Lending provides fast-close, asset-based financing so you can lock in deals the moment they hit the market.
Bridge loans solve timing problems — when you need to close on a new property before another one sells, or need short-term financing while you stabilize an asset or arrange permanent financing.
Debt Service Coverage Ratio (DSCR) loans are the premier financing tool for rental investors. Qualification is based on the property's rental income — not your personal tax returns or W-2s.
When your deal involves a commercial or mixed-use property, or when you need capital quickly that traditional commercial lenders can't provide, our commercial hard money solutions are built for you.
We're not a slow institution — we're a nimble, deal-focused team that thinks like investors.
Pre-approvals in 24–48 hours and closings in as few as 7 days. We know that timing wins in real estate, and we're built to move fast.
We lend on the property's value and your deal's merits. No two-year tax return requirements or debt-to-income headaches.
We work with investors on their first deal and their fiftieth. The better we understand your strategy, the faster and better we can fund you.
No committees, no waiting on underwriters in another state. We review, decide, and commit in-house — so you always know where you stand.
Hard money doesn't have to be predatory. Evolved Lending prices fairly and transparently — no junk fees, no bait-and-switch at the closing table.
Turned down by another hard money lender? Bring us your deal. We find creative structures that get investors to the finish line.
From inquiry to funding in as few as 7 days.
Share property details, your purchase price, rehab budget, and target ARV.
We review your deal and come back with a term sheet in 24–48 hours.
We order a fast valuation to confirm value and finalize the loan terms.
In-house underwriting keeps things moving. We handle the paperwork.
Sign, fund, and get to work. We can close in as little as 7 days.
Hard money loans are primarily asset-based, so credit requirements are much more flexible than traditional loans. Many programs work with scores as low as 600, and some bridge scenarios focus almost entirely on the property and deal structure.
We can close in as few as 7 days when all documentation is in order and the appraisal comes back cleanly. Most deals close in 10–14 days. We're as fast as the process allows.
Yes — and many investors prefer it for liability protection. We lend to LLCs, corporations, and trusts. In some cases, a personal guarantee from the entity's principal is required.
Hard money (fix & flip, bridge) is short-term, higher-rate capital for projects in transition. DSCR loans are longer-term (30-year) financing for stabilized rentals. Both skip personal income verification.
Yes. While experience helps, we evaluate every deal on its merits. First-time investors with strong deals, sufficient skin-in-the-game, and a solid exit strategy are welcome to apply.
For residential loans, we are licensed in Colorado, Florida, and Ohio. For investment properties and hard money loans, we can lend in most states. Contact us to discuss your specific market and deal.
Send us your deal details and we'll have a term sheet back to you within 24 hours. No obligation, no pressure.
📞 Call or text: 303-960-6382 | ✉️ Nick@evolved-lending.com