Frequently asked questions
Straight answers on how hard money works, what we fund, how fast deals close, and how the partner program pays.
Hard money & funding questions
Is MCG Capital Partners a direct lender?
No. MCG is a hard money brokerage and funding advisory firm. We review and structure deals and connect borrowers with third-party lending partners — we do not lend our own capital.
What is a hard money loan?
A hard money loan is short-term, asset-based real estate financing. It is underwritten primarily on the property and its after-repair value rather than your personal income or credit, which is why it can fund and close quickly.
How do hard money loans work?
You submit the deal — purchase price, rehab scope, and exit plan. The lending partner evaluates the property’s value and after-repair value (ARV), issues terms, and releases rehab funds in draws as the work progresses. The loan is repaid when you sell or refinance.
What loan amounts do you work with?
Deals from $75,000 to $5,000,000.
What kinds of deals do you fund?
Fix and flip, new construction, DSCR rentals, BRRRR, and contractor spec projects.
How fast can a hard money loan close?
Closings in as little as 7 to 10 days, depending on the deal and the lending partner.
What is the difference between a DSCR loan and a hard money loan?
Hard money is short-term financing for acquiring and renovating a property, underwritten on its value. A DSCR loan is long-term financing for a stabilized rental, qualified on the property’s rental income covering the debt. Many investors use hard money to buy and rehab, then refinance into a DSCR loan to hold.
What areas do you serve?
All 50 states.
Do I need a license to refer a deal?
No. The partner program is free to join and requires no license. Refer a client or a deal and earn a referral fee at closing.
Do you fund primary residences?
No. MCG works on business and investment-purpose deals only, not owner-occupied homes.