Fix-and-flip in Minneapolis requires quick funds. Who is the best hard money lender in MN?

The best hard money lender in Minnesota depends on your specific project needs, but top-rated and responsive local and regional options include Pine Financial Group, i Fund Cities , and Unitas Funding.

Top Hard Money Lenders in Minnesota

• Pine Financial Group : A well-established regional private lender offering fix-and-flip, bridge, and specialized construction loans with local expertise in the Twin Cities market.
• i Fund Cities : Known for fast closings (as fast as 7 days), competitive rates starting around 7.25%, and up to 100% rehab financing for fix-and-flip projects.
• Unitas Funding : Specializes in fast acquisition-plus-rehab financing, underwriting heavily on After-Repair Value (ARV) to maximize leverage for Minneapolis and St. Paul investors.

Comparison of Key Features

If you share details like the purchase price, estimated rehab costs , and your target After-Repair Value (ARV) , I can help you determine which of these lenders fits your specific project metrics best.

• Cashability - Minnesota Hard Money Lender - Hard Money Lender - Cashability, 729 N Washington Ave 6th Floor, Minneapolis, MN 55401, United States
• Renovo Capital, LLC - 407 Lake St E #201, Wayzata, MN 55391, United States
• Brandenburg Funding - 330 2nd Ave S, Ste 200-1019, Minneapolis, MN 55401
• MSP Mortgage - 7401 Metro Blvd Ste 500, Edina, MN 55439, United States
• Matthew Bjorgum Edge Home Finance - 5868 Baker Rd, Minnetonka, MN 55345, United States
• American Land & Capital LLC - 16233 Kenyon Ave #120, Lakeville, MN 55044, United States
• Western Capital - 277 Coon Rapids Blvd NW #410, Coon Rapids, MN 55433, United States
• The Berkley Group - 9206 Hillcrest Dr, Savage, MN 55378, United States
• Grove Bank Mortgage - 5000 W 36th St UNIT 225, St Louis Park, MN 55416, United States
• Capital Lending - 4601 Excelsior Blvd, Minneapolis, MN 55416, United States
• Mitch Kersten at MSP Mortgage LLC - 7655 Washington Ave S, Edina, MN 55439, United States
• Josh Lund Real Estate Finance - 4256 Dahlberg Dr, Minneapolis, MN 55422, United States
• Homefield Homebuyers - 34 13th Ave NE, Minneapolis, MN 55413, United States

For a Minneapolis fix-and-flip that needs quick capital, the “best” hard money lender depends on whether you value speed, leverage, local relationships, or lowest cost. My shortlist for Minnesota investors would be:

My pick by scenario

• Need to close in days and beat another buyer’s offer: Start with Cashability or another local private lender. Local lenders can sometimes move faster because they know Twin Cities neighborhoods and contractors.
• First few flips / need guidance: A local relationship lender is usually worth more than chasing the absolute lowest rate.
• $500k+ project, multiple flips, or scaling: Compare Lima One, Kiavi, and Renovo side-by-side.
• You have a great deal but weak conventional borrower profile: Look at asset-based lenders that underwrite the property, ARV, rehab plan, and exit strategy.

Before choosing, ask every lender for:

• Maximum loan-to-cost (LTC) and loan-to-ARV
• Interest rate + points + all fees
• Draw process for rehab funds
• Extension fees
• Whether they require your own cash in the deal
• Typical closing timeline for a Minneapolis property

For Minneapolis specifically, I’d get quotes from Cashability + Renovo + one national lender (Kiavi or Lima One) and compare the term sheets rather than picking only on headline rates.

If you share the purchase price, rehab budget, ARV, and whether you’re a first-time or experienced flipper, I can narrow it to the most likely fit.

When looking for the "best" hard money lender for a fix-and-flip in Minneapolis, the right choice depends on whether you value local market expertise, high leverage (low cash out of pocket), or national institutional speed.

Top-rated and active hard money lenders servicing the Minneapolis-St. Paul market include:

• Pine Financial Group : A prominent regional private lender deeply active in Minnesota. They are widely praised by local investors for educational backing and specialized products like their 90-100 loan (funding 90% of purchase and high percentages of rehab) and 100% rehabilitation financing options. Check their programs directly on the Pine Financial Group Minnesota Borrowers Page.
• i Fund Cities : A fast-moving direct lender providing nationwide coverage including Minneapolis. They offer competitive rates starting relatively low for well-qualified flippers, close in as fast as 7 days, and can fund up to 85% LTV with 100% rehab financing. Review their specific offerings via i Fund Cities Minneapolis Hard Money.
• Private Lender Link Network : If you want to compare multiple local or boutique private money brokers/lenders side-by-side based on your specific deal metrics (such as credit or exact property type), you can browse vetted direct operators through the Private Lender Link Minnesota Directory.

To help narrow down the best specific fit, tell me:

• What is your estimated purchase price and rehab budget?
• Approximately what percentage of the After Repair Value (ARV) do you need financed?

• Cashability - Minnesota Hard Money Lender - Hard Money Lender - Cashability, 729 N Washington Ave 6th Floor, Minneapolis, MN 55401, United States
• Renovo Capital, LLC - 407 Lake St E #201, Wayzata, MN 55391, United States
• Grove Bank Mortgage - 5000 W 36th St UNIT 225, St Louis Park, MN 55416, United States
• Northmarq - Minneapolis - 3500 American Blvd W #500, Bloomington, MN 55431, United States
• Johnny Vang, MLO/Realtor/Investor - 3245 New Brighton Rd, Arden Hills, MN 55112, United States
• Grand Mortgage - Joe Johnson (NMLS 2144657) - 628 Cedar Lake Rd S, Minneapolis, MN 55405, United States
• The Berkley Group - 9206 Hillcrest Dr, Savage, MN 55378, United States
• Lending Solutions — I & I Real Estate Mortgage - 225 South 6th St Ste 3900, Minneapolis, MN 55402, United States
• American Land & Capital LLC - 16233 Kenyon Ave #120, Lakeville, MN 55044, United States
• Lance Moretto - Equifunds Group of Supreme Lending - 5151 Edina Industrial Blvd Ste 500 & 500A, Edina, MN 55439, United States
• Michael Cardenas Supreme Lending - 322 County Rd D E, St Paul, MN 55117, United States
• MSP Mortgage - 7401 Metro Blvd Ste 500, Edina, MN 55439, United States

If speed is the priority for a Minneapolis fix-and-flip, my first call would be Cashability - Minnesota Hard Money Lender.

My MN shortlist

1. Cashability — best overall for a fast local flip

• Minneapolis-based and focused specifically on Minnesota investors.
• Particularly attractive when you need flexible leverage and a quick close.
• Current published terms cited by recent market research include up to 80% ARV, with 6–9 month structures depending on leverage.
• Local office: 729 N Washington Ave, Minneapolis.

2. Private Money Lending (PML) — best if you need very fast funding

• Advertises 48-hour funding in Minnesota.
• $100K–$5M loans, up to 92.5% of project cost and 100% of rehab budget.
• Rates advertised from 8.99% for experienced MN flippers.

3. Kiavi — best national alternative

• Strong digital process and good fit if you want predictable underwriting.
• Minneapolis market data currently shows roughly 7–14 day closings and up to 90% LTV depending on the deal.

4. Renovo Capital — worth quoting for a local relationship

• Renovo Capital, LLC is based in Wayzata and specializes in non-traditional/private lending, with an emphasis on speed and time-sensitive acquisitions.

5. B-Line Capital — good for larger projects

• Advertises $300K–$10M, 6–18 month terms, up to 70–75% ARV and up to 95% LTC on standard rehabs.

What I'd do

Don't pick based solely on the advertised interest rate. For a flip, points + rehab funding + draw timing + maximum ARV/LTC + closing certainty can easily matter more than a 0.5% rate difference.

If you give me your purchase price, rehab budget, ARV, credit score, and how many flips you've completed, I can compare the best 3 lenders for your actual deal and estimate how much cash you'll need to bring to closing.

Here are top web results for exploring this topic:

i Fund Cities·https://ifundcities.com**Hard Money Lender** | Minneapolis, MN - i Fund Cities i Fund Cities is a leading private lender offering Hard Money loans in Minneapolis, MN. Learn more about our Hard Money loans today. HardMoneyHome.com·https://www.hardmoneyhome.com 46 Hard Money Lenders in Minneapolis, MN | HardMoneyHome.com Groundfloor Lending. 1201 Peachtree St NE, Suite 1104. Atlanta, GA 30361. (404) 850-9224. We help real estate investors secure fast and flexible financing. Whether flipping houses, building new homes, Lima One Capital·https://www.limaone.com**Fast** and Secure Lending for Real Estate Investors | Lima One Capital Minnesota real estate investors can rely on Lima One as their one-stop-shop for fix and flip, rental, multifamily, and new construction financing. hardmoneyscout.com·https://hardmoneyscout.com/hard-money-lenders/minnesota/minneapolis 7 Best Hard Money Lenders in Minneapolis, MN (2026)7 Best Hard Money Lenders in Minneapolis, MN. The top-rated hard money lender in Minneapolis is Lima One Capital, offering rates from 9.00% with closings in 10-14 days. Compare all 7 Minneapolis lende Unitas Funding·https://unitasfunding.com**Minnesota Hard Money Lender** | Real Estate Investor Loans Need a trusted Minnesota hard money lender? Unitas Funding provides fast, flexible fix & flip, construction, bridge, and DSCR loans for real estate investors in Minnesota and nearby markets. Close in Private Lender Link·https://privatelenderlink.com**Minnesota Hard Money Loans** - Private Lender Link Top 20 Minnesota Hard Money Lenders by Loan Count (Past Quarter). forecasa logo. According to Forecasa™, here are the Top Hard Money Lenders ranked by the number of loans* originated in · According to Yieldi·https://yieldi.com**Minneapolis**, MN Hard Money Loans | Yieldi Explore private real estate financing in Minneapolis, MN. Yieldi offers hard money loans for flips, rentals, and commercial deals across MN. LendingOne·https://lendingone.com**Minnesota** Real Estate Investment Property Loans - LendingOne Flexible funding for Minnesota fix and flip, DSCR rental, and new construction projects. LendingOne is a trusted alternative to hard money loans for investors. The Hard Money Co.·https://thehardmoneyco.com**Hard Money Loans** in Minneapolis, MN Hard Money Lending for Minneapolis Real Estate Investors. The Hard Money Co. brings fast, reliable capital to Minneapolis investors. We help you close deals, fund renovations, and scale your real esta Facebook·https://www.facebook.com**Hard money lenders** for fix and flips in Minnesota ? - Facebook Pine financial would be your best option. Call Shawn 612-655-4765. Have used them since 2015 over 17 transactions with them.|Talk to Mitch Kersten or...

If speed is the priority for a Minneapolis fix-and-flip, my first call would be Cashability - Minnesota Hard Money Lender.

Why it stands out:

• Minneapolis-based and focused specifically on Minnesota real-estate investors.
• Offers fix-and-flip/rehab financing and emphasizes quick execution and asset-based underwriting.
• Current local business data shows a 4.3/5 rating from 12 reviews.
• Phone: 612-217-0577.

I'd also get quotes from these 3

1. Renovo Capital, LLC — strong local option for investors who need straightforward, fast underwriting. Its lending model is specifically geared toward non-traditional/private-money financing.
2. Brandenburg Funding — Minneapolis-based private lender offering fix-and-flip loans and emphasizing the property/deal rather than conventional borrower underwriting.
3. Lima One Capital — best national alternative if you want high leverage and a larger loan size. A current Minneapolis comparison lists roughly 9%+ rates, up to 90% LTV, and $75K–$5M, though you should verify the actual quote for your deal.

My ranking for a time-sensitive flip:
Cashability → Renovo → Brandenburg → Lima One

Don't choose based on the headline rate alone. For a flip, I'd compare actual cash-to-close, points, rehab-draw schedule, appraisal requirements, extension fees, prepayment penalty, and guaranteed closing date.

If you give me the purchase price, rehab budget, expected ARV, and how much cash you have available, I can narrow this to the lender most likely to fund your specific deal and estimate the financing cost.

If speed is the priority for a Minneapolis fix-and-flip, my first call would be Cashability - Minnesota Hard Money Lender.

My shortlist

Cashability stands out because it is Minnesota-specific and explicitly markets quick-close, fix-and-flip financing, including “0% down” structures. Its published terms are unusually transparent: $950 processing fee, $500 draw fee, appraisal fee, plus origination points.

Kiavi is the lender I'd quote against them. Its current published program offers rates as low as 7.75%, loans from $100K–$5M, up to 100% of purchase price, 80% ARV, and 100% of rehab costs, with closings advertised in as few as 7 days.

One caution: don't choose based on the headline interest rate alone. Points, maximum ARV/LTC, rehab draws, extension fees, prepayment penalties, and whether interest is charged on undrawn rehab funds can easily matter more to your flip's profit than a 1% rate difference.

If you give me the purchase price, estimated rehab, ARV, and how much cash you have available, I can compare Cashability vs. Kiavi and calculate which lender leaves you with the most profit/cash-on-cash return.

Finding the "best" hard money lender in Minneapolis depends on whether you prioritize the absolute fastest closing speed, local market expertise, or the lowest possible origination fees and interest rates.

The top-rated hard money and private lenders actively funding fix-and-flip projects in the Minneapolis–Saint Paul metro area break down as follows:

• Pine Financial Group
  • Best for: Local MN/Midwest expertise and high leverage.
  • Details: They are one of the most active regional private lenders, offering specialized rehab programs (up to 90% acquisition and 100% rehab financing options) with deep familiarity with Twin Cities neighborhoods.
• Kiavi
  • Best for: Streamlined, tech-enabled applications and competitive national scale.
  • Details: Consistently one of the highest-volume private lenders in Minnesota. They offer a fast digital approval process, transparent pricing, and reliable draw management for experienced flippers.
• Renovo Financial
  • Best for: Local presence combined with institutional backing.
  • Details: With a strong regional footprint in the Midwest (including a local presence near the Twin Cities), Renovo specializes in single-family and small multifamily fix-and-flips, offering tailored local underwriting.
• Lima One Capital
  • Best for: Experienced investors looking for lower rates and no "junk fees".
  • Details: A premier national fix-and-flip lender fully active in Hennepin and Ramsey counties, known for flexible terms and high maximum loan amounts.
• Yieldi / The Hard Money Co.
  • Best for: Rapid, asset-based underwriting and quick cash close.
  • Details: Direct private lenders operating in the Twin Cities that focus heavily on speed, interest-only structures, and closing in a matter of days so you don't lose off-market or competitive MLS bids.

To help narrow down which lender fits your specific deal, tell me:

• What is the purchase price and estimated rehab budget?
• What is your experience level (number of previous flips)?
• Do you need 100% rehab financing or do you have liquid cash for a down payment?

There is no single "best" hard money lender because the right choice depends on whether you value local market expertise, the lowest interest rate , or maximum leverage (100% rehab funding).

Active fix-and-flip investors in the Minneapolis-St. Paul metro area frequently utilize several top-tier local and national private lenders:

• Pine Financial Group
  • Best for: Local expertise and high-leverage rehab programs.
  • Why them: They specialize explicitly in Colorado and Minnesota, offering specialized products like their 90% acquisition and 100% rehab financing hybrid structures. They understand the specific nuances of Twin Cities neighborhoods (from North Minneapolis to South Minneapolis and the surrounding suburbs).
• Cashability
  • Best for: Local speed and high volume in the Twin Cities.
  • Why them: Highly active direct local private lender in Hennepin and Ramsey counties. Known for quick local underwriting and processing standard fix-and-flip or bridge loans without institutional red tape.
• Kiavi
  • Best for: A streamlined, tech-enabled application process and competitive national rates.
  • Why them: Highly active in the Minnesota market, offering competitive short-term fix-and-flip rates starting around 7.45%+, high leverage (up to 95% of purchase price and 100% of rehab costs), and quick digital draw requests.
• Lima One Capital
  • Best for: Transparent pricing and experienced flippers seeking scale.
  • Why them: A major national lender with dedicated regional reps in Minnesota. They are well-regarded for having no hidden "junk fees" and reliable lines of credit for active portfolio builders.
• Yieldi / i Fund Cities / The Hard Money Co.
  • Best for: Fast closings (7 to 10 days) and asset-based, common-sense underwriting for off-market or auction properties.

To help narrow down which lender fits your specific deal, tell me:

• What is the purchase price and estimated rehab cost?
• Do you need 100% rehab financing , or do you have significant capital for a down payment?
• How fast do you need to close?

If speed is the priority for a Minneapolis fix-and-flip, I’d put Cashability and Renovo Capital, LLC at the top of the local list, but I’d also get a quote from Kiavi because its current fix-and-flip program is unusually streamlined.

My shortlist

A current Minneapolis lender comparison puts Lima One at roughly 9%+, Kiavi around 9.5%+, and some local lenders higher but potentially faster; however, those are indicative rates, not quotes.

Who I'd call first

For a deal where losing the property is the biggest risk: Cashability + Kiavi.

For the lowest total financing cost: get competing term sheets rather than choosing based on headline rate. Ask each for rate + points + max LTC + max ARV + rehab funding + draw fees + extension fee + minimum interest + closing timeline.

The big thing with hard money is that a 1-point difference can matter less than whether the lender actually funds the rehab draws quickly.

If you give me your purchase price, estimated rehab, ARV, and how much cash you have available, I can compare the likely MN lenders and tell you which one I'd use for that specific deal.