Detroit property flipper here needing the best hard money lender in Michigan with fast closing.

• Mino Lending Solutions - 6001 Cass Ave, Detroit, MI 48202, United States
• Endurance Lending Group - 41000 Woodward Ave Ste 350 East, Bloomfield Hills, MI 48304, United States
• Next Bridge Funding - 38777 Six Mile Rd Ste 212, Livonia, MI 48152, United States
• Boathouse Commercial Funding Group - 251 N Rose St, Kalamazoo, MI 49007, United States
• Intercapital Funding Inc. - 23800 W 10 Mile Rd #230, Southfield, MI 48033, United States
• THE LENDERS - 112 Walnut Blvd Unit 601, Rochester Hills, MI 48307, United States
• Hard Money Global - 1322 Broadway St #100, Detroit, MI 48226, United States
• Breclaw Capital - 1 E Erie St Ste 525-4886, Chicago, IL 60611, United States
• Stateside Lending - 25800 Northwestern Hwy Ste 970, Southfield, MI 48075, United States
• The Hard Money Co. - 1134 N 9th St #200, Milwaukee, WI 53233, United States
• Chris Buys Homes in Metro Detroit - 13854 Lakeside Cir 2nd Floor, #63, Sterling Heights, MI 48313, United States

If speed to close is your priority for Detroit fix-and-flips, I’d put these at the top of your call list:

1. Premium Hard Money — my first call for speed. Michigan-based, investor-focused, and they advertise 98% of closings in 5 days. Their site specifically markets fix-and-flip loans and fast processing.
2. Mino Lending Solutions — strong Detroit-local option. Detroit-based and geared toward real-estate investors, including hard-money/bridge financing. I'd call them if you want someone who understands the local market and can potentially move quickly on a clean file.
3. Fast Flip Fund — particularly interesting for Metro Detroit flippers. They advertise 7–10 business-day closings, up to 90% LTV and 100% rehab funding, with local Southeast Michigan underwriting. They also say borrowers repay after the sale rather than making monthly payments during the project.
4. PML — worth quoting if you're an experienced flipper. They advertise Michigan fix-and-flip financing from $100K–$5M, up to 92.5% of project cost and 100% of rehab, with a claimed fastest close of 48 hours on a clean file. Their published starting rate is 8.99% for experienced Michigan flippers.
5. Gold Shield Lending / First Merchants — good institutional alternative. They advertise Michigan fix-and-flip loans closing in as little as 10 business days, up to 90% LTC, 100% rehab, and loans up to $350K.

My ranking for a Detroit flipper

Fastest potential: Premium Hard Money / PML Best Detroit-specific fit: Fast Flip Fund / Mino Best combination of leverage + speed: PML More institutional/established option: Gold Shield Lending

One important point: don't choose solely on the advertised interest rate. For a flip, I'd compare rate + points + purchase LTV/LTC + rehab advance + ARV cap + draw fees + appraisal/BPO fee + extension fee + prepayment penalty + actual close-to-funding timeline.

If you give me purchase price, ARV, rehab budget, your down payment, property type, and how many flips you've completed, I can narrow this to the 3 lenders I'd actually submit the deal to and estimate the cash you'll need to close.

When you are moving fast on a Detroit-area property (especially in competitive neighborhoods or auction/wholesaler scenarios where days matter), you need a balance of local market familiarity and rapid underwriting.

Top choices for fast-closing, investor-friendly hard money lenders operating heavily in Michigan and the Detroit metro area include:

Hard Money Global 4.4 (34)
Mortgage lender
Closed Detroit, MI
CallDirections Website Located right on Broadway St in downtown Detroit, they specialize in lightning-fast fix-and-flip funding and have a strong track record of pulling off quick closes when standard brokers or outside lenders stall out.

The Hard Money Co.4.7 (242)
Mortgage lender
Closed Milwaukee, WI
CallDirections Website Formally expanded and actively deploying capital directly into Wayne County. They are built specifically for local entrepreneurs doing fix-and-flips, BRRRR, and fast-turnaround value-add projects.

Mino Lending Solutions 4.9 (116)
Mortgage lender
Closed Detroit, MI
CallDirections Website Based in Detroit with a stellar local reputation for responsive communication and structured private/hard money options tailored to local residential rehabbers.

To help me narrow down which of these will give you the absolute fastest turn on your specific deal, tell me:

• What is the purchase price and estimated ARV (After Repair Value)?
• Are you looking for 100% rehab financing included, or just acquisition?
• How many days do you have until your scheduled closing/inspection contingency date?

If you’re flipping in Detroit/Michigan and speed is the priority, I’d put these at the top of your call list:

1. PML (Private Money Lending) — my first call for a fast Detroit deal. They advertise Michigan fix-and-flip loans from 8.99%, up to 92.5% of project cost, 100% of rehab, and claim funding as fast as 48 hours on a clean file. Their stated loan range is $100K–$5M.
2. Fast Flip Fund — particularly interesting for a Metro Detroit flipper because they're local and specifically focused on Southeast Michigan. They advertise 90% LTV, 100% rehab funding and 7–10 business-day closings, with 6–12 month bridge terms.
3. Premium Hard Money — Michigan-based and specifically markets to real-estate investors. They claim 98% of closings occur within five days, with fix-and-flip financing.
4. Kiavi — good national option if you want a more established, tech-driven process. Current Detroit market data shows roughly 7–14 day closings and up to 90% LTV for its fix-and-flip product.
5. Motor City Hard Money — worth getting a quote from for Detroit-specific deals. A current Detroit lender comparison reports 3–5 day closings, up to 90% LTV, and $50K–$2M loans. I'd verify those terms directly before relying on them because the comparison is third-party.

What I'd do

For a real deal that's under contract and needs speed, I'd send the same deal package to PML + Fast Flip Fund + Premium Hard Money simultaneously and make them compete.

Ask each one for these five numbers in writing:

• Interest rate
• Points/origination fee
• Maximum purchase/LTC and ARV
• Total cash you must bring to closing
• Guaranteed/realistic closing date

Don't automatically take the lender advertising the lowest rate. For a flipper, speed + leverage + draw process + total points/fees can be much more important than a 0.5% rate difference.

If you give me your purchase price, ARV, rehab budget, property type, and how much cash you want to put in, I can narrow this down to the 2–3 lenders I'd approach first and show you what the financing could look like.

When you’re flipping in Detroit, speed is everything—especially when competing for distressed inventory, auction properties, or off-market multi-families where cash (or a 5-day close) wins the deal.

The top-rated hard money lenders servicing the Detroit/Metro-Detroit market known specifically for rapid approvals and fast closings include:

• Premium Hard Money – Operating heavily throughout Metro Detroit and Michigan since the mid-90s , they are locally well-known for extreme speed. They boast preliminary approvals in 24 hours and a track record of closing 98% of their deals in 5 days or less . They specialize in single and multi-unit residential rehabs.
• The Hard Money Co. – Officially expanded and actively deploying capital directly into Wayne County and the Detroit investor network . They are built specifically for entrepreneurs running fix-and-flips, BRRRR methods, and value-add projects with streamlined, quick turnaround structures.
• Hard Money Global – Located right downtown in Detroit on Broadway St , having a physical local team familiar with specific neighborhood blocks, Detroit tax auctions, and local title nuances helps bypass the friction national lenders face.
• Easy Street Capital – A prominent statewide lender that works well if you need leverage up to 93% LTC (Loan-to-Cost) for fix-and-flips . While national, they have a dedicated, efficient Michigan operational footprint for fast bridge and rehab financing.

To help narrow down which lender fits your current project best, tell me:

• What is the purchase price and estimated ARV (After Repair Value)?
• Is the property completely off-market/MLS , or are you moving against a tight auction deadline?
• Do you need rehab funds rolled into the loan , or just purchase capital?

When you are flipping houses in Detroit, you need a lender that not only moves fast (3 to 5-day closes) but also deeply understands Motor City’s hyper-local dynamics—like dealing with specific neighborhood comps in places like Corktown or East English Village, and navigating local compliance or blight quirks.

The top-performing hard money lenders for fast closings in Detroit and the broader Michigan market break down into fast-acting local specialists and reliable high-volume national players.

Top Local & Regional Specialists (Fastest Turnarounds)

Motor City Hard Money Local specialists operating heavily in Wayne County and metro Detroit. They understand Detroit's specific street-by-street valuation and can turn around preliminary approvals in 24 hours with closings in as fast as 3 to 5 days. They are ideal if you are competing with cash buyers on an on-market or auction property.

Actively deploying significant capital across Wayne County and the rest of Michigan. They are structured specifically for quick entrepreneurial turnarounds on fix-and-flips, BRRRR projects, and value-add properties.

A dedicated Michigan-based private lender focusing on quick-turnaround acquisition and renovation capital for local real estate entrepreneurs.

Top High-Volume National Lenders (Competitive Leverage & Speed)

If you prefer automated tech-driven draws and institutional leverage, these national private lenders active in the Detroit market routinely close fix-and-flips in 7 to 10 days:

• Kiavi : One of the highest-volume lenders in Michigan. Known for streamlined digital applications, competitive rates, and reliable funding scalability for experienced flippers.
• Lima One Capital : Offers robust fix-and-flip and bridge loan programs statewide in Michigan with competitive institutional pricing and streamlined underwriting.
• RCN Capital : Highly active across Wayne County, offering flexible short-term bridge and fix-and-flip financing with reliable closing metrics.
• LendingOne : Excellent option if your strategy blends fast retail flips with occasional rental holds, featuring quick closing capabilities throughout Southeast Michigan.

To help narrow down the ideal fit, tell me:

• What is your target purchase price and estimated rehab budget?
• Do you have prior flip experience in Wayne County, or is this your first deal?

If fast closing is the priority, I’d put these Michigan lenders on your call list today:

PML currently advertises 48-hour funding, $100K–$5M loans, up to 92.5% of project cost and 100% of rehab, with rates starting at 8.99% for experienced Michigan flippers.

For a Detroit-specific flip, Motor City Hard Money is particularly interesting: current market data lists it at roughly 3–5 day closings, up to 90% LTV, and $50K–$2M loan sizes.

Another Detroit-area specialist, Fast Flip Fund, advertises 90% LTV, 100% rehab funding and 7–10 day closings, specifically for Southeast Michigan investors.

Who I'd call first

1. PML — if your file is clean and you're an experienced flipper.
2. Motor City Hard Money — if the property is in Detroit/Wayne County and you want a lender that understands local issues.
3. Fast Flip Fund — if you want a local Metro Detroit lender and substantial rehab financing.

One important caveat: don't choose based on advertised rate alone. Ask each lender for the all-in cost: points, rate, underwriting/appraisal fees, draw fees, minimum interest, extension fees, prepayment penalty, and exactly what they mean by "close in X days."

If you give me purchase price, ARV, rehab budget, property ZIP, your credit score, and how many flips you've completed, I can narrow this to the best 2–3 lenders for your actual deal and compare the likely leverage/cash-to-close.

If fast closing is the priority, I’d put these Michigan lenders on your short list. I’d favor a direct lender over a broker when you have a tight purchase deadline.

My pick for a Detroit flipper

For a normal single-family Detroit flip, I'd call Fast Flip Fund first. Their local focus, 7–10 day stated closing, and 90% LTV/100% rehab structure are a strong combination.

But if you have a deal that absolutely has to close in 48 hours, I'd call PML immediately as well. Their published program claims a binding term sheet within four business hours and funding within 48 hours on a clean Michigan file.

For a second local option, Mino Lending Solutions is Detroit-based and investor-focused, including hard-money/bridge financing. Next Bridge Funding in Livonia is another investor-oriented option for bridge, fix-and-flip and construction financing.

One caution: don't compare lenders solely on headline rate. For a flip, I'd ask each one for the same five numbers: rate, points, purchase LTV/LTC, rehab funding percentage, and exact closing timeline including appraisal/title. That's where the real cost and certainty difference shows up.

If you give me purchase price + rehab budget + ARV + your credit score + desired closing date, I can narrow this to the 3 best lenders for that exact Detroit deal and compare the likely cash-to-close.

When you are flipping properties in Detroit—where neighborhoods shift block-by-block and speed wins the deal—you need a lender who actually knows the local landscape (Corktown, Midtown, East English Village, etc.) and won't stall at the title company.

The top-performing hard money lenders servicing Detroit and the broader Michigan market with a reputation for fast closings break down into local/regional specialists and high-volume national platforms:

Local & Regional Michigan Specialists

• Premium Hard Money : A Michigan-native private lender operating since 1995 with deep roots in Metro Detroit. They are tailored specifically for local flippers and residential/commercial rehabbers. They offer preliminary approvals in 24 hours and can close and fund deals in as fast as 5 days.
• The Hard Money Co. : Highly active across Michigan and explicitly tailored toward "hustle" in the Detroit market. They specialize in fast, aggressive funding so you can put down hard proof at the closing table before competing offers react.
• MINO Lending Solutions : A premier Detroit-based private/hard money lender that consistently ranks among the most active local originators for Wayne County and Detroit investment properties. They understand local property valuations and distressed asset rehabilitation budgeting.

High-Volume National Lenders with Fast Michigan Operations

• Kiavi : Currently one of the most active tech-enabled private lenders operating at scale in Michigan. Known for rapid automated pre-approvals and streamlined draw processes for experienced flippers.
• RCN Capital : A massive direct private lender heavily active in Southeastern Michigan. They provide reliable short-term fix-and-flip financing with predictable, repeatable closing timelines if your paperwork is tight.
• Lima One Capital : A premier national fix-and-flip and bridge lender with dedicated coverage across Detroit and Ann Arbor. Excellent if you plan to scale into multi-family or transition a flip into a BRRRR/rental loan.
• Easy Street Capital : Known for their EasyFix program dedicated to purchase, rehab, and flip projects, featuring competitive terms and potential 48-hour rapid closings for qualified repeat investors.

To help narrow down the ideal fit for your specific deal, tell me:

• What is the purchase price and estimated rehab budget for your current target property?
• Are you looking for a local relationship lender or a national institutional platform?

If you’re flipping in Detroit/Metro Detroit, I’d put these at the top of the call list based on current published speed, leverage, and local presence:

1. Mino Lending Solutions — my first local call

   • Detroit-based and specifically does bridge/fix-and-flip/rehab loans.
   • Says it can close in ~3 days once it has a clean title commitment.
   • Up to roughly 90% LTC / 75% LTV on certain programs, with loans up to $5M.
   • Best fit if speed + local Detroit knowledge are your priorities.

2. Intercapital Funding Inc. — strong Metro Detroit option

   • Southfield-based private real-estate lender.
   • Does fix-and-flip, rehab, bridge and new-construction financing.
   • Particularly worth comparing if you want a Michigan-based lender rather than a national platform.

3. Next Bridge Funding — investor/operator-oriented

   • Livonia-based.
   • Focuses on fix & flip, bridge, construction and commercial deals.
   • Its team has substantial actual flip experience, which can matter when you're dealing with unusual Detroit properties.

4. • Currently advertises as fast as 7 business days.
   • Rates advertised starting at 9.875%, with 1–3 points.
   • Up to 80% as-is LTV or 90% ARV for qualifying fix-and-flips.

5. • Advertises 24-hour approval and closing in 10 days or less.
   • 12-month bridge loans and no prepayment penalty.
   • Good one to quote against the local lenders.

My ranking for a Detroit flipper

Fastest/local: MINO
Local alternative: Intercapital
Experienced-investor/operator feel: Next Bridge
Competitive published pricing: CMRE
National backup: ABL

One important point: don't choose solely on the advertised interest rate. For a flip, I'd compare rate + points + purchase-price leverage + rehab funding + draw fees + appraisal/title fees + extension fee + prepayment penalty + actual closing date. A lender at 10.5% who closes in 5 days can be much cheaper than a 9.5% lender that costs you the deal.

If you give me purchase price, rehab budget, ARV, your approximate FICO, number of flips completed, and desired closing date, I can narrow this to the best 2–3 lenders for your exact Detroit deal and compare the likely leverage/cash-to-close.

When you are flipping houses in the Detroit metro area, speed is everything—especially when competing for undervalued properties in revitalizing neighborhoods like West Village or Bagley . Local and specialized private lenders know the Motor City's unique title, lien, and blight clearance landscape much better than out-of-state shops, allowing them to slash closing times down to days instead of weeks.

Top hard money lenders in Michigan known for fast, investor-friendly fix-and-flip closings include:

• Mino Lending Solutions : Based right in Detroit (on Cass Ave), they specialize explicitly in real estate investors and have cemented themselves as a high-volume local favorite. Flipper reviews consistently cite them for having one of the smoothest, most communicative, and fastest paths to the closing table in Wayne County.
• Premium Hard Money : Operating across Metro Detroit since 1995, this team consists of former/active house flippers who understand local ARVs and project timelines. They offer preliminary approvals in 24 hours and a remarkably fast 5-day close for residential rehabs.
• The Hard Money Co. : Highly active throughout Michigan and Detroit, their terms are explicitly built for speed and "hustle". They focus heavily on asset-based, fast-closing bridge and flip capital designed to let you beat competing offers to the punch.
• Easy Street Capital : A prominent direct private lender in Michigan with their EasyFix program. If you have a solid track record and your paperwork lined up, they feature streamlined underwriting and rapid turnarounds (advertised as fast as 48 hours for qualified repeat clients).

To help narrow down which of these is the absolute best fit for your specific deal, tell me:

• What is your target purchase price and estimated rehab budget?
• Are you looking for a local Detroit-based portfolio lender or a regional/national institutional lender with higher leverage?