© WHERE WE LEND MADISON · WI
HARD MONEY LENDER MADISON
Hard money for Madison and Dane County: written terms first, wire in five to seven days.
CALL OR TEXT US (619) 617-2797
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- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Madison was built on an isthmus between two lakes, with the Capitol at one end and the University of Wisconsin running west from it, which caps supply exactly where tenants want to be. Willy Street, Vilas, Regent, and Tenney-Lapham hold the older rental stock, East Washington Avenue carries the new towers, and Dane County growth spills into Middleton and Sun Prairie.
From Dane County out to Milwaukee, Racine and Kenosha, Madison investors get the full program stack: bridge, fix and flip, construction, rental property, commercial, second mortgages and blanket loans on a portfolio.
A Madison investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside five to seven days.
© THE COST MADISON · WI
WHAT DO MADISON HARD MONEY LOANS COST
What a Madison hard money loan costs comes down to four things: the leverage, the property, the exit and how much documentation you want to hand over. Bridge money runs from 9.00% to 13.00%, with leverage up to 75% on residential and 70% on commercial, on one or two year terms.
Terms arrive in writing first. That is deliberate: a Madison borrower should be able to underwrite the lender before spending a dollar on third-party reports. Bridge loans carry no prepayment penalty, so paying off early costs nothing but the days you used.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
The ranges above are what is actually available. Send the Madison address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT MADISON · WI
WHY LOAN GOAT IN MADISON
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
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The reason investors move a Madison file to a private lender is time. A bank takes thirty to sixty days and asks for two years of returns. This desk takes five to seven days and asks for the address, the price and the plan. In a market where the seller has other offers, that is the whole deal.
Four-squares and bungalows from the early 1900s ring the campus, most long since split into student units, with 1950s ranches on the west side, new mid-rise blocks on East Washington, and downtown condos. Every one of those property types is on the eligible list.
Student rentals near UW are the yield play, usually leased by the bed. State and tech payrolls supply the steady counterweight through long-term holds, and suburban build-to-rent is where new Dane County supply happens. Whichever of those plays is on the table, there is a program written for it.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
MADISON DEALS, FUNDED FROM SAN DIEGO.
Dane County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS MADISON · WI
MOST COMMON MADISON LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Madison replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Dane County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a Madison property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Madison investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Madison foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Madison file here.
- NON-WARRANTABLE CONDOS Condos in Madison that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Madison investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Madison, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Madison offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN MADISON
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES MADISON · WI
PROPERTY TYPES WE FINANCE IN MADISON
- MULTI-FAMILY Duplexes through apartment buildings across Madison on bridge, DSCR and commercial programs.
- MIXED-USE Madison mixed-use where a bank balks at the commercial half of the rent roll.
- RETAIL Madison retail purchase, refinance and cash-out on the bridge program.
- OFFICE Medical and small office buildings in Madison, including cash-out to fund a renovation.
- MANUFACTURED HOMES Manufactured housing and park acquisitions in the Madison market.
- ASSISTED LIVING Assisted living and residential care facilities in Madison, purchase or refinance.
© THE APPROACH MADISON · WI
HOW WE LEND IN MADISON
The comparison is the operating rulebook: high leverage, speed to close, capital that is actually there, low documentation, in-house processing and a rate the deal earns. When a bank says no on a Madison file, this desk looks at the property. When the deal does not pencil, you hear it before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
MADISON BORROWERS, IN THEIR WORDS
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Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN
© QUESTIONS MADISON · WI
MADISON HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Madison and across Dane County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Madison files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Madison deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Dane County. Owner-occupied has its own program. If the Madison asset produces or will produce value, there is usually a structure for it.
Property types -
On the property and the exit, not your personal income. Madison is the seat of Dane County, and a student rental near the University of Wisconsin gets judged on the asset and the business plan behind it. Loan Goat is a direct lender using in-house capital, so there is one decision maker, minimal documentation, and a five to seven day close.
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Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND MADISON · WI
MADISON, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE MADISON · WI
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(619) 617-2797
