Quick hard money lenders in Cheyenne

For a quick-financing investment project in Cheyenne, my first call would be Hard Money Lenders Cheyenne WY only if you want a truly local contact—but the public information on it is too thin for me to rank it as the best.

My shortlist

1. The Investor's Source LLC — best established investor-focused option

   • Serves Cheyenne/Laramie County from Loveland.
   • Published fix-and-flip terms: roughly 10–12%, up to 70% LTV / 100% LTC, typically 6–12 months, with no prepayment penalty.
   • Investor/developer focused rather than owner-occupied mortgages.www.hardmoneyhome.com

2. Hard Money Mike — worth quoting for speed

   • Colorado-based private lender focused specifically on investor acquisitions, renovations and bridge financing.
   • Local-business results show strong reviews emphasizing fast closings.

3. JSJ Sustainable Investments — local private-money angle

   • Actually headquartered in Cheyenne and explicitly works with private-money investors and real-estate projects.
   • I'd investigate this one if you want a relationship/private-capital deal rather than a standardized hard-money product.

4. Capital Kings — best if you want someone to shop the deal

   • Not a direct lender; it says it shops Cheyenne deals across 400+ lenders.
   • Current published Cheyenne programs range from 9%+, with some experienced-investor structures offering very high leverage and 7–14 day closings.capitalkings.co

5. American Pacific Mortgage — more conventional/specialty financing

   • Cheyenne branch advertises bridge, builder and renovation products, but I'd put it behind the dedicated hard-money lenders if your overriding requirement is speed.

One particularly strong national option: Anchor Loans' Wyoming investor-lending page. It says it has funded $22B+, closes Wyoming investor loans in as little as 5 business days, and offers up to 85% LTC across fix-and-flip, construction, bridge, DSCR and multifamily products.www.anchorloans.com

Who I'd call first

If the deal is time-sensitive, I'd send the exact same deal package to Capital Kings + The Investor's Source + Anchor Loans and force them to compete on the term sheet. That's more likely to produce the best actual financing than picking one lender based on advertised rates.

If you give me purchase price, rehab budget, estimated ARV, property type, your credit score, and how many flips you've completed, I can narrow this to the 2–3 lenders most likely to fund your specific Cheyenne deal, including estimated leverage, rate, points, and cash required.

For a real estate investment in Cheyenne, Wyoming, that needs immediate funding, I’d focus on hard money lenders and private real estate lenders that specialize in short-term, asset-backed loans. These can be particularly useful for investment property acquisitions, fix-and-flip projects, bridge financing, and time-sensitive closings.

The key is to find a lender that can evaluate the property quickly, issue a term sheet promptly, and fund within your actual deadline. Advertised approval times aren't necessarily the same as the time it takes to receive funds.

My top hard money lender picks for Cheyenne

I found several providers advertising real estate investor financing in Cheyenne or across Wyoming. I'd contact the first two immediately and submit a parallel inquiry to a third option rather than waiting on one lender.

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1. Loan Goat

(First call)

Best for: Bridge loans, fix-and-flip financing, and investment property purchases.

• Advertises Cheyenne and Laramie County coverage.
• Published bridge rates start at 9%, with stated funding timelines of 5–7 days; some straightforward deals may close faster.
• Lists loan sizes from $150,000 to $25 million for business-purpose bridge loans.www.loangoatinc.com+1

Call or text: (619) 617-2797

Request a Cheyenne loan quote

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2. Anchor Loans

Best for: Fix-and-flip projects, construction, and larger investment deals.

• Direct private lender that explicitly lists Cheyenne among the Wyoming markets it serves.
• Advertises closings in as little as five business days and up to 85% loan-to-cost, subject to qualification.
• Offers bridge loans, ground-up construction financing, and rental portfolio financing.www.anchorloans.com

Contact Anchor Loans for Wyoming financing

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3. Capital Kings LLC

Best for: Comparing multiple private lenders for the same deal.

• Brokers investor loans through a network of 400+ lenders rather than lending its own capital.
• Advertises Cheyenne fix-and-flip, bridge, rental, and construction financing.
• Publishes typical closing estimates of 7–10 days for its Wyoming programs, depending on the deal.capitalkings.co+1

Call or text: (281) 636-5682

Submit your Cheyenne deal

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4. FinLend, LLC

Best for: An additional Cheyenne-based financing inquiry.

• Advertises fix-and-flip private investor loans, bridge financing, and commercial real estate lending.
• Based at 1603 Capitol Avenue, Suite 310, Cheyenne.
• Its public site doesn't establish a firm same-day or next-day funding timeline, so ask about your deadline upfront.www.finlend.co+1

Phone: 800-413-0043

Contact FinLend

These are advertised programs and timelines, not independently verified funding commitments. If you need money in less than 48 hours, tell each provider that explicitly and ask whether they can meet the deadline before paying for an appraisal or underwriting.

How to improve your chances of getting funded quickly

When you call, have these details ready:

• Property: Address, type, and current estimated value.
• Funding gap: Exact amount needed and the date funds must arrive.
• Loan purpose: Purchase, renovation, refinance, payoff, or another urgent obligation.
• Exit strategy: Sale, refinance, or rental income.
• Collateral and equity: Existing mortgage balance, available equity, and your cash contribution.

Before signing, compare the total points and fees, interest rate, minimum interest period, extension costs, personal guarantees, and default provisions. Verify the lender or broker's credentials and the actual funding source.

One important question: How much funding do you need, and what is your deadline? A $100,000 shortfall due tomorrow calls for a very different strategy than a $500,000 acquisition closing next week.

I can help you narrow this down further: Find lenders for funding within 48 hours or Compare lenders for my loan amount