Ohio Hard Money Lender
Crebrid funds real estate investments throughout Ohio with capital structures designed to move when you do. Whether it’s a fix-and-flip in Columbus, a buy-and-hold in Cincinnati, or new construction in Cleveland, our short-term loans close on your schedule and keep projects on track.
Hard Money / Residential Transition Lending in Ohio
Ohio’s housing market is heating up, and competition for the best properties is strong. Crebrid provides hard money loans across Columbus, Cleveland, Cincinnati, and Toledo, as well as Dayton, Akron, Parma, and Canton. Our programs are available statewide, giving investors reliable financing wherever opportunities arise.
We base our lending decisions on the property, not on W-2s, tax returns, or credit history. That makes our loans faster and more predictable than traditional financing. Whether you’re scaling a portfolio or starting with your first flip, Crebrid keeps funding simple and direct.
What is a Hard Money Loan / Residential Transition Loan ?
A hard money loan (also known as a residential transition loan “RTL”) is a short-term, asset-backed financing tool for real estate investors. At Crebrid, we use the property as collateral instead of requiring income documentation, so investors can move forward without bank-level hurdles. It’s a flexible way to acquire, renovate, or refinance investment properties across Ohio’s most active markets.
Cities We Serve in Ohio
Crebrid offers investment property loans throughout Ohio’s major metros and surrounding areas. From dense urban cores to suburban growth markets, we provide financing that adapts to your project needs. Our statewide platform ensures every loan type is available wherever you operate.
Loan Options
Crebrid offers flexible loan structures designed for Ohio investors in every major market:
Finance both purchase and renovation with ARV-based lending. This option works for flips of all sizes across Ohio’s cities and suburbs, giving you the leverage to scale projects and keep reserves free.
Learn MoreBridge capital helps you secure properties quickly while long-term financing is arranged. Available statewide, these loans are designed to give you control over timing and prevent missed opportunities.
Learn MoreFund ground-up projects across Ohio, from infill builds in metro areas to multi-unit developments in growing suburbs. Our draws are structured to match build schedules, keeping cash flowing when you need it most.
Learn MoreRestructure existing debt or tap into equity with a refinance loan. Investors use this option to extend timelines, reset terms, or unlock capital for new acquisitions across Ohio’s investment markets.
Learn MoreHow Our Process Works in Ohio
Ohio investors rely on predictable funding, and our process is designed to deliver. We finance up to 90% of project costs with same-day approvals, streamlined underwriting, and draw requests that never sit in a backlog. With 75+ years of combined experience, Crebrid ensures every step is managed for efficiency and accuracy.
Submit your property details through our online platform. The process is streamlined: purchase contract, rehab budget, and entity documents if needed. No tax returns or income checks are required.
We underwrite deals in-house using Ohio-specific comps and property values. Most loans qualify for up to 90% LTC and 70% LTV, and closings occur within 3 to 5 business days.
For renovation-heavy projects, our draw system ensures contractors are paid without delay. Upload invoices and progress photos, and funds are released quickly so crews stay on schedule.
After your project sells or refinances, repayment is straightforward. No surprises, no hidden fees. Many investors roll directly into their next deal, using our platform as a reliable capital partner for scaling their portfolio.
When it’s time to exit, you choose how. Sell, refinance, or roll into your next project. With no prepayment penalties, Crebrid makes it easy to transition into your next opportunity.
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Ohio Real Estate Market Insights
Ohio’s real estate market in 2025 shows steady appreciation and high investor activity:
- Statewide Growth: The median home price reached $276,100 in July 2025, up 5.8% year-over-year, with inventory expanding by 13.1%.
- Central Ohio: Columbus homes hit a median price of $350,000 in June 2025, up 4.5% YoY, selling in an average of 25 days.
- Institutional Investors: In Q1 2025, institutional buyers accounted for over 7% of Columbus home purchases, higher than the national average.
- Strong Suburbs: Investopedia identified Strongsville, OH as a hot market in 2025, with listings drawing 5.2x more views than average.
- Investor Outlook: Statewide appreciation, rapid sales in Central Ohio, and affordability in Toledo all point to opportunity. Institutional activity in Columbus and high demand in certain suburbs highlight both competition and growth potential.
Explore More States Across the Country
Crebrid provides hard money loans to clients across the USA.
Additional Resources
Strategies for Using Hard Money Loans to Renovate Residential Properties in San Antonio, TX
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Essential Tips for First-Time Hard Money Borrowers in Fort Worth
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How to Find the Right Hard Money Lender for Your Dallas Investment Property
10.20.2024
The Benefits of Hard Money Loans for New Construction Projects in Dallas, TX
02.10.2025Ohio Real Estate Investing FAQs
Got questions about hard money lending in Ohio? We’ve covered the key details below so you can approach your next deal with confidence.
Rates depend on property type, leverage, and project scope. Crebrid structures competitively, focusing on property value rather than borrower income. This ensures terms that make sense for flips, rentals, and new builds across the state.