NV Capital is the top pick for fast, local Las Vegas hard‑money needs—regularly recommended for quick bridge, fix‑and‑flip, and commercial loans in Southern Nevada. Use Easy Street for 48‑hour rehab closings or high‑LTC rehabs, Battle Born for trust‑deed, land, or construction financing, and Lantzman if you prefer a responsive private lender operating across Nevada and California.
1Lantzman LendingGood when you want a responsive private lender across Nevada and California for fast private‑money loans at competitive rates; caveat: positioned as a private lender rather than a large national tech lender.68%
4NV CapitalBest when you need fast, local Las Vegas funding for flips, bridge, or commercial loans — repeatedly recommended for Southern Nevada quick closes; caveat: a private lender with high‑yield, asset‑focused terms.39%
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When the Las Vegas housing market is moving fast, having a reliable, fast-closing hard money (or private money) lender can make or break an offer. The "best" lender depends entirely on whether you value a massive national tech-enabled lender for speed and volume, or a local Nevada specialist who knows every street in Clark County.
The top-performing hard money lenders active in the Nevada and Las Vegas market break down as follows:
Top National & High-Volume Lenders (Best for Speed & Technology)
Kiavi
Overview: Currently one of the absolute highest-volume private lenders in the Las Vegas region by loan count. They specialize in fix-and-flip, bridge, and rental loans.
Pros: Highly streamlined digital application, fast automated approvals, and very competitive rates for experienced investors. You can check their programs directly via Kiavi.
Anchor Loans
A powerhouse national direct lender for real estate investors with a heavy footprint in Nevada.
When the Las Vegas housing market is moving at a breakneck pace, speed and certainty of close are everything. Because "the best" hard money lender depends heavily on whether you are doing a quick fix-and-flip, new construction, or a rental portfolio bridge, a few standout national and regional private lenders consistently earn high marks from Nevada investors for their reliability and speed:
Pros: Renowned for reliability, large capital pools, and closing repeat-client flips swiftly without bureaucratic drag. Learn more at Anchor Loans.
Lima One Capital
Overview: A major national institutional lender offering comprehensive fix-and-flip, new construction, and rental portfolio loans.
Pros: Great for scaling investors who need flexible long-term roll-into-rental options. Details are available on Lima One Capital.
Top Local & Regional Lenders (Best for Relationship & Flexibility)
Ignite Funding
Overview: Based right in Henderson/Las Vegas, Ignite is a prominent local trust deed investing and private lending company deeply embedded in the Nevada market.
Pros: Deep local market valuation expertise and personalized service. They understand local neighborhood nuances better than an algorithm based in San Francisco or New York. You can review their offerings on Ignite Funding.
NV Capital Corporation
Overview: Another localized Nevada-based commercial and residential bridge/hard money lender.
Pros: Excellent for out-of-the-box scenarios, distressed property timing constraints, or situations where traditional guidelines fail. Check out their criteria at NV Capital Corp.
How to Choose the Right One for You
Go National (Kiavi, Anchor) if you are doing standard single-family fix-and-flips, have clean documentation, and want the lowest rates and fastest tech-driven draw processes.
Go Local (Ignite, NV Capital) if your deal is unconventional, time-sensitive in a weird sub-market, or you prefer a local asset-based underwriter who will pick up the phone and talk through the nuances of a specific Henderson or North Las Vegas property.
To help narrow down the best fit, tell me:
Are you doing a fix-and-flip, buy-and-hold rental , or new construction?
Are you an experienced investor (more than 3 flips) or a first-timer?
Easy Street Capital - Highly popular for speed-focused investors. They specialize in fast 48-hour closings, light documentation (no tax returns or income verification), and high leverage options for fix-and-flips (up to 93% LTC) and new construction in the Las Vegas/Henderson markets.
Lima One Capital - Known as a premier nationwide private lender with a strong localized presence in Nevada. They are a favorite for seasoned investors because they offer a comprehensive suite ranging from short-term transitional bridge and flip loans to long-term rental and multi-family financing, avoiding the "re-trading" issues common with smaller fly-by-night shops.
Local Boutique/Private Lenders - Working with local Nevada-based high-net-worth private lenders or smaller syndications based right in Clark County can sometimes yield the fastest common-sense underwriting if you have a tight 5-day escrow, though they usually require a proven track record and higher initial liquidity.
To help narrow down which lender fits your exact deal, tell me:
What is your exit strategy ? (Fix-and-flip, wholesale/assign, build-to-rent, or buy-and-hold?)
What kind of leverage/LTC do you need?
I can give you a better breakdown of who matches your timeline.
Lantzman Lending - Hard Money Lenders Nevada - 6671 S Las Vegas Blvd Suite 210, Office 201, Las Vegas, NV 89119, United States
Mojave Capital - 3127 E Warm Springs Rd #400, Las Vegas, NV 89120, United States
Granite Street - Private Lenders - 5955 S Edmond St #15E, Las Vegas, NV 89118, United States
Assurance 832 - 3044 Paseo Hills Way, Henderson, NV 89052, United States
Capella Mortgage - 3765 E Sunset Rd Ste B2, Las Vegas, NV 89120, United States
Home Field Lending - 4760 S Pecos Rd #200-21, Las Vegas, NV 89121, United States
Dara Capital Mortgage - 8084 W Sahara Ave A, Las Vegas, NV 89117, United States
Andrew Leavitt at West Coast Mortgage Group - 8921 W Sahara Ave Ste. B, Las Vegas, NV 89117, United States
Harmony Home Loans - 4300 W Tropicana Ave STE Building A, Las Vegas, NV 89103, United States
David Ross | Las Vegas NV | Henderson NV | DSCR Loan | Best Mortgage - 901 N Green Valley Pkwy Ste 190, Henderson, NV 89074, United States
For a fast-moving Las Vegas investor market, the “best” hard money lender depends on whether you value speed, leverage, local underwriting, or lowest cost. A short list to compare:
Mojave Capital — Las Vegas private lender focused on bridge, fix-and-flip, construction, and investor loans; known for short-term real estate financing.
Lima One Capital — national lender active in Las Vegas; often considered for fix-and-flip, bridge, and rental loans.
Typical Las Vegas hard-money terms vary widely, but investor loans commonly price around roughly 9–13%+ interest with points, depending on borrower experience, property, leverage, and exit plan.
If you’re trying to win deals that need to close in days, I’d compare at least one local lender (Lantzman/Mojave/Granite Street) against a national platform (Lima One/Kiavi) and ask for:
max LTC/LTV
rehab draw speed
appraisal requirements
extension fees
proof-of-funds turnaround
For a fix-and-flip in Las Vegas specifically, local lenders often have an advantage because they understand Clark County neighborhoods and contractor/ARV realities.
Mojave Capital - 3127 E Warm Springs Rd #400, Las Vegas, NV 89120, United States
Granite Street - Private Lenders - 5955 S Edmond St #15E, Las Vegas, NV 89118, United States
Lantzman Lending - Hard Money Lenders Nevada - 6671 S Las Vegas Blvd Suite 210, Office 201, Las Vegas, NV 89119, United States
Harmony Home Loans - 4300 W Tropicana Ave STE Building A, Las Vegas, NV 89103, United States
Home Field Lending - 4760 S Pecos Rd #200-21, Las Vegas, NV 89121, United States
Capella Mortgage - 3765 E Sunset Rd Ste B2, Las Vegas, NV 89120, United States
Dara Capital Mortgage - 8084 W Sahara Ave A, Las Vegas, NV 89117, United States
Assurance 832 - 3044 Paseo Hills Way, Henderson, NV 89052, United States
Omni Lending LLC - 2620 Regatta Dr Suite 102, Office 248, Las Vegas, NV 89128, United States
David Ross | Las Vegas NV | Henderson NV | DSCR Loan | Best Mortgage - 901 N Green Valley Pkwy Ste 190, Henderson, NV 89074, United States
NetWorth Realty of Las Vegas, LLC - 7361 W Charleston Blvd Ste 110-120, Las Vegas, NV 89117, United States
If you’re talking Las Vegas investor deals—fix & flips, bridge, construction, or value-add—my shortlist would be:
Mojave Capital — My first local call for a serious investor. It’s a Las Vegas-based private/hard-money lender with a long local track record and does flips, construction, development, commercial, land and refinance transactions.
Granite Street - Private Lenders — Interesting if speed and certainty of execution matter. It focuses on business-purpose private/hard-money real estate loans and local Las Vegas deals.
Lantzman Lending - Hard Money Lenders Nevada — Worth pricing against the others, particularly for asset-based or unusual situations. Its Las Vegas office publishes Nevada mortgage licensing information.
Lima One Capital — A strong national option for fix-and-flip/bridge/rental financing. Current Las Vegas listings show rates starting around 9%, up to 90% LTV, and roughly 10–14 days for closing, depending on the deal.
Who I'd call first
If you're buying in Las Vegas right now and the deal is competitive, I'd get three term sheets simultaneously rather than choosing one lender blindly:
Mojave Capital + Granite Street + Lima One.
The cheapest rate isn't necessarily the best hard-money loan. I'd compare:
Rate
Points
Maximum purchase LTV / LTC
Whether they fund 100% of rehab
Interest reserve
Extension fees
Prepayment penalty
Draw turnaround
Appraisal requirements
Actual closing timeline
Whether they'll lend based on ARV
How they handle first-time vs. experienced investors
Current Las Vegas hard-money pricing is roughly 9–13%, with many deals carrying 1.5–3 points, although exceptionally strong borrowers/deals can do better.
If you give me the deal—purchase price, ARV, rehab budget, property type, your down payment/equity, and whether you're flipping or holding—I can tell you which 3 Nevada lenders I'd approach and what terms I'd try to negotiate.
When the Las Vegas housing and flipping market is moving fast, speed and reliable execution are everything. There is no single "best" hard money lender for every single investor, as the right choice depends on whether you value speed, national institutional leverage, or deep local market relationships.
According to recent origination data and investor circles in Nevada, the top hard money and private lenders operating heavily in the state break down into a few distinct categories:
1. Top National & Institutional Lenders (High Volume & Reliability)
If you need streamlined processes, competitive institutional rates, and high-volume reliability for fix-and-flips or rental portfolios:
Kiavi : Consistently ranks as one of the highest-volume lenders in the state. They offer an efficient, tech-driven platform for fix-and-flip and rental loans, making them ideal if you want a smooth, repeatable digital process.
Lima One Capital : A premier national business-purpose lender providing strong options for fix-and-flip, new construction, and rental portfolios with reliable draw management.
Anchor Loans : A massive national player well-known for speed and heavy volume in fast-moving western markets like Nevada, catering heavily to experienced residential real estate investors.
2. Top Local & Regional Lenders (Deep Nevada Expertise)
If your deal requires local boots-on-the-ground valuation, flexibility with unique properties, or a relationship with a portfolio lender who understands specific Las Vegas/Henderson neighborhoods:
Capella Mortgage : A long-standing local mortgage broker and investor lender based right in the Las Vegas area, highly favored for commercial real estate and local private money investing.
Nevada Capital Corporation : Specializes in commercial and residential investment/bridge loans in Las Vegas, offering solutions for time-sensitive distressed property purchases and borrowers who might not fit a rigid national box.
B And N Mortgage : A prominent local fixture consistently originating a high volume of private and hard money loans directly within the Nevada market.
To help narrow down which lender fits your specific project, tell me:
Are you doing a fix-and-flip, buy-and-hold (rental) , or new construction?
Do you already have the property under contract and need a fast close?
Mojave Capital - 3127 E Warm Springs Rd #400, Las Vegas, NV 89120, United States
Lantzman Lending - Hard Money Lenders Nevada - 6671 S Las Vegas Blvd Suite 210, Office 201, Las Vegas, NV 89119, United States
Granite Street - Private Lenders - 5955 S Edmond St #15E, Las Vegas, NV 89118, United States
Omni Lending LLC - 2620 Regatta Dr Suite 102, Office 248, Las Vegas, NV 89128, United States
Harmony Home Loans - 4300 W Tropicana Ave STE Building A, Las Vegas, NV 89103, United States
Capella Mortgage - 3765 E Sunset Rd Ste B2, Las Vegas, NV 89120, United States
Assurance 832 - 3044 Paseo Hills Way, Henderson, NV 89052, United States
Home Field Lending - 4760 S Pecos Rd #200-21, Las Vegas, NV 89121, United States
Dara Capital Mortgage - 8084 W Sahara Ave A, Las Vegas, NV 89117, United States
David Ross | Las Vegas NV | Henderson NV | DSCR Loan | Best Mortgage - 901 N Green Valley Pkwy Ste 190, Henderson, NV 89074, United States
Capital Markets Group - 11411 Southern Highlands Pkwy Ste 202, Las Vegas, NV 89141, United States
5th Bridge Funding LLC - 9480 S Eastern Ave Ste 263-C, Las Vegas, NV 89123, United States
If you mean fast, asset-based financing for Las Vegas investment properties, I’d shortlist a few rather than crown one universal “best.”
My Las Vegas shortlist
Mojave Capital — best local all-around candidate. It’s Las Vegas-based, has been operating since 2007, and handles fix-and-flip, construction, commercial, land and bridge/private-money loans. Its materials indicate some loans can close in roughly 3–5 days.
Lantzman Lending - Hard Money Lenders Nevada — strong option if speed and asset-based underwriting are the priority. It specifically operates as a private, asset-based real-estate lender and has a Las Vegas office.
Granite Street - Private Lenders — worth a look for business-purpose investment loans where execution and hands-on service matter.
Omni Lending LLC — interesting for larger private-money requests; it advertises first-lien, interest-only private financing with loan amounts ranging substantially higher than typical local hard-money shops.
— another local option with a large review base and explicit hard/private-money programs for investors.
For comparison, a current Las Vegas lender directory shows advertised hard-money pricing roughly in the 9%–13% range, with some lenders advertising up to 85–90% LTV and fastest closings around 3–7 days. Those are advertised starting terms, not necessarily what you'll receive.
If I were buying a deal in Vegas today, I'd get simultaneous quotes from Mojave + Lantzman + Granite Street. The winner should be based on total cost, leverage, appraisal requirements, rehab draws, extension fees, and—most importantly—whether they can actually fund by your closing date, not just the headline rate.
If you give me purchase price, estimated ARV, rehab budget, and how much cash you have, I can compare the likely hard-money structures and tell you which lender profile is best for that specific deal.
There is no single "best" hard money lender in Nevada, as the right choice depends on your specific strategy—whether you need rapid closing for a fix-and-flip, high leverage for a multi-family project, or flexible terms for a bridge loan.
Top private and hard money lenders serving the Las Vegas and broader Nevada real estate markets are recognized for specific strengths:
Top Hard Money Lenders in Nevada
Battle Born Capital : Based locally in Southern Nevada with over four decades of combined team experience and billions in regional transactions. They specialize in fast, direct trust deed investments and local market underwriting.
Cambridge Home Loan : Frequently utilized across high-demand areas like Las Vegas and Reno for fast fix-and-flip and rental portfolio capital, avoiding traditional bank delays with asset-based approvals.
Nevada Capital Corporation : Focuses on commercial, multi-family, and time-sensitive distressed property purchases, catering well to borrowers who may face hurdles with conventional institutions.
Key Factors to Evaluate
Speed to Close : In a fast-moving market, look for lenders who can fund in days rather than weeks.
Leverage & LTV : Check maximum Loan-to-Value (LTV) and After Repair Value (ARV) percentages offered.
Origination & Interest Rates : Compare points, hidden fees, and extension terms before signing.
To help narrow down the best fit, tell me:
Are you doing a fix-and-flip or buying a buy-and-hold rental?
What is your estimated loan amount and target LTV?
Granite Street - Private Lenders - 5955 S Edmond St #15E, Las Vegas, NV 89118, United States
Mojave Capital - 3127 E Warm Springs Rd #400, Las Vegas, NV 89120, United States
Lantzman Lending - Hard Money Lenders Nevada - 6671 S Las Vegas Blvd Suite 210, Office 201, Las Vegas, NV 89119, United States
Capella Mortgage - 3765 E Sunset Rd Ste B2, Las Vegas, NV 89120, United States
Assurance 832 - 3044 Paseo Hills Way, Henderson, NV 89052, United States
Home Field Lending - 4760 S Pecos Rd #200-21, Las Vegas, NV 89121, United States
Dara Capital Mortgage - 8084 W Sahara Ave A, Las Vegas, NV 89117, United States
Harmony Home Loans - 4300 W Tropicana Ave STE Building A, Las Vegas, NV 89103, United States
David Ross | Las Vegas NV | Henderson NV | DSCR Loan | Best Mortgage - 901 N Green Valley Pkwy Ste 190, Henderson, NV 89074, United States
Dennis Laughlin - All Western Mortgage - 8345 W Sunset Rd #380, Las Vegas, NV 89113, United States
5th Bridge Funding LLC - 9480 S Eastern Ave Ste 263-C, Las Vegas, NV 89123, United States
If you’re talking Las Vegas fix-and-flip / investment-property financing, I’d put local private lenders ahead of generic national hard-money shops when speed and certainty of closing matter.
My Las Vegas shortlist
Granite Street - Private Lenders — My first call for a serious investor. They’re Las Vegas-based, direct private lenders, and focus on business-purpose real-estate loans. Their site says they handle bridge, fix-and-flip, commercial, and second-position loans.
Mojave Capital — Established Las Vegas private lender with a strong local footprint. Particularly worth comparing for fix-and-flips, construction, development and commercial deals.
Capella Mortgage — Long-running Las Vegas lender/broker that handles investor-oriented hard-money/private-money financing, including fix-and-flip and construction.
— Interesting direct-lender option: it says its own capital funds the loans rather than acting as a middleman, and it finances fix-and-flips, bridge, new construction, rentals and mid-project situations.
A current Las Vegas lender directory puts typical hard-money pricing around 9.5%–13%, with some lenders advertising closings in 3–7 days. Treat advertised rates/LTVs as starting points—your actual quote will depend heavily on the property, ARV, leverage, experience and exit strategy.
Who I'd call first
If I had a Las Vegas property under contract and needed to move fast, I'd send the same deal package to Granite Street, Mojave Capital, and Private Money Group and make them compete.
The important comparison isn't just the rate. Ask each for:
If you give me the purchase price, estimated rehab, ARV, property type, your cash available, and desired closing date, I can narrow this down to the best 2–3 lenders for your specific deal and estimate what your hard-money loan would look like.
There is no single "best" hard money lender in Nevada, as the right choice depends on whether your priority is speed, lowest origination fees, high leverage (LTV), or specific experience with fix-and-flips versus long-term rental portfolios. Because the Las Vegas and Reno markets move rapidly, top-tier local and regional private lenders distinguish themselves by closing deals in days rather than weeks without traditional bank underwriting hurdles.
Top Hard Money Options for Nevada Investors
Local & Regional Direct Lenders: Companies like Cambridge Home Loan specialize directly in Nevada's high-demand corridors like Las Vegas and Reno, offering asset-based underwriting tailored for fast acquisition and rehab funding.
National Private Lenders with Local Presence: National platforms (such as Kiavi, Lima One Capital, and RCN Capital) frequently operate in Nevada, providing automated draw schedules, competitive institutional rates, and reliable capital for experienced real estate investors scaling portfolios.
Local Private/Relationship Lenders: Boutique local syndications and high-net-worth private individuals in Clark County often provide the most flexible terms for repeat borrowers who can move fast on off-market wholesale or auction properties.
Key Metrics to Compare Lenders
Metric / Feature
Typical Local Private Lender
Regional/National Hard Money Lender
Traditional Portfolio Bank
Speed to Close
3 to 7 Days
7 to 14 Days
30 to 45 Days
Max Leverage (LTV)
65% – 75% of ARV
70% – 80% of Purchase + 100% Rehab
65% – 80% LTV
Underwriting Focus
To help narrow down the ideal lender for your specific situation, tell me:
Are you planning a fix-and-flip , a wholesale assignment , or a rental/BRRRR strategy?
Do you already have the property identified and under contract?
What is your expected purchase price and rehab budget?
Silver State Hard Money — If closing speed is the priority, this is one I'd investigate. Current market listings report approximately 3–5 day closings, up to 85% LTV, and $75K–$3M loans.
Harmony Home Loans
Private Money Group
PML (Private Money Lending) — Worth getting a quote if speed is the priority. It advertises Nevada fix-and-flip financing from 8.99%, up to 92.5% of project cost, with 48-hour funding on qualifying deals.
