Here’s the Business Credit Version of a HARD Money Loan (But Cheaper, Faster & No Docs) 💳🏚️
Flipping houses usually comes with:
❌ 10%-12% interest
❌ 1-3 points upfront
❌ Bank statements, income docs, appraisals, and slow closing
Also most hard money loans fund 70%-90% LTV.
But what if I told you…
There’s a faster, cheaper, and more flexible option that requires:
✅ No income verification
✅ No W2s or tax returns
✅ 0% interest for 12–18 months
✅ And approval in as little as 5–7 days
💡 It’s called Business Credit… and it works like a private hard money line—without all the BS.
Here’s a real-world breakdown
👇 🏡 $200K Property
💥 Use a DSCR loan at 80% = Bank covers $160K
💳 You liquidate $40K in business credit for the down payment
💸 Pay a 6% fee on the liquidation = $2,400 🛠️ (This becomes free...🤫)
Then use additional business credit cards to pay contractors directly for the rehab (most accept cards or simple invoices)
✅ No equity partner
✅ No private money lender
✅ No docs
✅ And you keep 100% of the upside
📈 Once the flip is done or the BRRRR is complete, you refinance, pay off the business credit, and move on to the next deal.
⚠️ This strategy lets you keep deals moving without waiting on underwriters, partners, or hoping a PML comes through.
Comment "BANK" if you want to finally become your own bank and build 1.1M in biz credit like I did, I will send you a free mini course on how to scale in real estate fast.