Private & Hard Money Lenders in Bergen County, NJ
17 lenders funded 147 short-term investment-property loans in Bergen County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Bergen County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 48 | 11.00% | 13 |
| 2 | ABL RPC Residential Credit Acquisition LLC | 38 | 11.50% | 5 |
| 3 | KIAVI FUNDING, INC. | 18 | 10.95% | 2 |
| 4 | RF Renovo Management Company, LLC | 7 | 11.25% | 5 |
| 5 | Temple View Capital Funding LP | 7 | 11.00% | 4 |
| 6 | Provident Bank | 6 | 8.00% | 11 |
| 7 | LIMA ONE CAPITAL, LLC | 4 | 11.60% | 2 |
| 8 | PLANET MANAGMENT GROUP, LLC | 4 | 11.50% | — |
| 9 | VELOCITY COMMERCIAL CAPITAL LLC | 3 | 10.24% | 17 |
| 10 | LendingOne LLC | 3 | 10.99% | 3 |
| 11 | Genesis Capital, LLC | 3 | 9.51% | — |
| 12 | Constructive Loans LLC | 1 | — | 1 |
| 13 | Churchill Funding I LLC | 1 | — | — |
| 14 | Conventus Lending LLC | 1 | — | — |
| 15 | Emigrant Funding Corporation | 1 | — | — |
| 16 | Lument Structured Finance, LLC | 1 | — | — |
| 17 | WELLS FARGO BANK NA | 1 | — | — |
DSCR / long-term rental lenders in Bergen County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
17 lenders reported short-term, business-purpose investment loans in Bergen County in 2024 verified lending records — 147 loans totaling $179.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bergen County's active lenders was 11.00% in 2024, with per-lender medians ranging from 8.00% to 11.60%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.