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Hard Money Loans
Hard Money
Get fast, flexible financing for your next fix-and-flip project. With competitive terms and quick approvals, we make it easier to capitalize on time-sensitive opportunities and maximize your profits. Complete the form below to get started.
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UP TO
9.99%
RATES FROM*
70%
LTV
14-21
DAY CLOSE
12-24
I/O OPTION
$100k up to $10M
Step 1: Submit Your Deal
Email, Phone & SMS Consent Notice:
By providing your name and contact information, you expressly consent to receive communications from Sphinx Capital, its agents, and affiliated partners. These communications may include phone calls (including to any wireless number you provide) using an automatic telephone dialing system or artificial/pre-recorded messages, as well as text messages and/or emails for the purpose of marketing mortgage products and services.
Your consent is not a condition of purchasing any product or service. Message and data rates may apply. You may revoke your consent at any time by calling us at (512) 541-2920 or emailing info@sphinxcap.com to be placed on our do-not-call list.
By clicking Submit, you consent to receive SMS notifications, alerts, and occasional marketing communications from Sphinx Capital. Message frequency may vary. Message and data rates may apply. Text HELP to (512) 541-2920 for assistance or STOP to unsubscribe at any time.
By providing your name and contact information, you expressly consent to receive communications from Sphinx Capital, its agents, and affiliated partners. These communications may include phone calls (including to any wireless number you provide) using an automatic telephone dialing system or artificial/pre-recorded messages, as well as text messages and/or emails for the purpose of marketing mortgage products and services.
Your consent is not a condition of purchasing any product or service. Message and data rates may apply. You may revoke your consent at any time by calling us at (512) 541-2920 or emailing info@sphinxcap.com to be placed on our do-not-call list.
By clicking Submit, you consent to receive SMS notifications, alerts, and occasional marketing communications from Sphinx Capital. Message frequency may vary. Message and data rates may apply. Text HELP to (512) 541-2920 for assistance or STOP to unsubscribe at any time.
Qualify Easly!
Are We a Good Fit?
Our Hard Money loans are crafted to provide fast, flexible capital for experienced investors tackling short-term acquisitions, renovations, or bridge financing.
Experience
At least 2+ Completed Properties
Credit Score
Minimum of 660
Liquidity/Reserves
15% down payment
Property Type
SFR, Condo, Townhome, 1–10 Units
Product Specifics
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Key Loan Terms for Real Estate Investors
Hard Money Loan Highlights
Transparent and Investor-Focused Loan Terms
Where We Lend
States We Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
VP of Originations
Carlos Velez
As Vice President of Origination at Sphinx Capital, Carlos Velez brings over 12 years of experience in sales leadership and operational strategy to the private lending industry. A proven expert in driving growth, optimizing processes, and delivering large-scale projects with precision, Carlos is known for his ability to turn complex challenges into seamless, successful outcomes.
Before joining Sphinx Capital, Carlos led high-performing teams across multiple industries, earning a reputation for his strategic mindset, process innovation, and commitment to excellence. This skillset means every transaction is handled with efficiency, transparency, and care.
Beyond his professional role, Carlos is passionate about exploring new places and creating meaningful experiences. He enjoys traveling, taking his RV out for camping adventures, and expressing his creativity through music and studio art. Whether on the road, in the studio, or at the office, Carlos brings the same curiosity, creativity, and drive that define his approach to leadership and life.
CEO
Lance Stukaloff
Lance Stukaloff founded Sphinx Capital after extensive experience in the real estate finance industry – starting with business development for two of the largest fintech lenders in the country. Along the way, Lance built a nationwide network of over 5,000 mortgage brokers, many of whom are still partners today. Lance lives in Sarasota, Florida and actively invests in his own projects across the country.
During the past 10 years in the finance industry he has arranged over $750M in equity and debt for real estate developments and investments worldwide. He holds a bachelor's degree in economics and entrepreneurship from Washington University in St. Louis.
Operations
Warren Stukaloff
He began his real estate career working as a summer intern for Realty Shares, a startup crowdfunding lending platform in San Francisco.
From there he spent a year as an accountant for a life insurance company before joining forces with Lance at Sphinx Capital.
Warren is a steady analytical wizard, able to quickly discern between potential landmine and goldmine scenarios.
Warren has a degree in Finance & Accounting from Montana State University.
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"Working with Lance and Warren at Sphinx Capital has been a great experience! They are responsive, knowledgeable and make the process easy to understand. We now use them for all of our loan needs, both for renovations and DSCR refinances."
Katie N
Tennessee
"Working with Sphinx Capital on my multifamily purchase was great. Lance made the process smooth and streamlined. I’m looking forward to our next deal!"
Joe D
Florida
"After getting strung along by several lenders, Sphinx Capital was able to quickly qualify and get my loan to the closing table. I’m grateful to have found such a helpful and honest lender."
Marcia T
California
"Sphinx Capital provided the perfect loan structure for our subdivision, including funds for the horizontal site work, interest reserve, and vertical construction. The entire process was easy and they communicated well, allowing us to pay off our previous hard money loan and move forward to the next phase."
Mark S
Texas
"Lance and his team were able to guide our complex project through underwriting with ease. I felt informed the whole way through the process and definitely recommend working with them to structure and prepare your loan proposal for success."
Jose R
Colorado
Our Portfolio
