Rhode Island Hard Money Lender
Unlock fast, reliable real estate funding in Rhode Island with Crebrid. Whether you're flipping in Providence, refinancing in Warwick, or funding a new build in Cranston, our same-day approvals and 3–5 business day closing timeline keeps your projects on track. Crebrid’s tech-powered platform, combined with institutional capital, enables Rhode Island investors to act quickly and confidently—maximizing opportunities in this competitive real estate market.
Hard Money Lending in Rhode Island
Rhode Island’s real estate market moves fast, and Crebrid is here to keep you ahead. We offer hard money loans that are designed to support fix & flip, bridge, new construction, and refinancing projects across the state. From Providence’s urban redevelopment to suburban expansion in Warwick and Cranston, we provide asset-based financing that’s focused on the property’s value rather than your credit history or income.
Our streamlined lending process means fewer hurdles and faster funding. Whether you’re acquiring distressed properties, repositioning assets, or scaling up your portfolio, Crebrid offers capital solutions that help you succeed in Rhode Island’s fast-paced property market.
What is a Hard Money Loan?
A hard money loan is a short-term real estate loan where the property itself serves as collateral. At Crebrid, we specialize in hard money lending that bypasses the bureaucracy of traditional banks, allowing you to secure capital quickly. Our loans are designed for investors—whether you’re flipping, refinancing, or building from the ground up—with competitive rates, transparent terms, and flexible repayment options.
Cities We Serve in Rhode Island
Crebrid delivers reliable financing across Rhode Island’s most active real estate markets. Whether you’re focused on the bustling urban scene in Providence or targeting growing suburban areas like Warwick, we provide fast funding solutions with local expertise.
Loan Options
Explore a variety of loan options designed to support Rhode Island’s diverse real estate investments. Crebrid offers flexible, ARV-based loans for fix-and-flip projects, bridge loans for time-sensitive acquisitions, and new construction funding for Rhode Island’s growing housing demand.
Secure funding for both property acquisition and renovation costs, with flexible ARV-based loans designed to maximize your return. These loans are ideal for investors looking to capitalize on Rhode Island’s competitive flip market in cities like Providence and Cranston.
Learn MoreWhether you’re securing a property now or transitioning to long-term financing, Crebrid’s bridge loans provide short-term capital to bridge the gap and take advantage of deals in fast-moving areas like Pawtucket and Warwick.
Learn MoreGet funding for ground-up builds in Rhode Island’s expanding markets. Whether you’re building single-family homes in the suburbs or larger multi-unit developments, Crebrid provides financing for every step of the process.
Learn MoreTap into your existing equity or restructure short-term debt with our flexible refinance loans. Perfect for investors who want to streamline their cash flow and continue building their portfolio without interruptions.
Learn MoreHow Our Process Works in Rhode Island
At Crebrid, we’ve streamlined every step of the lending process to help Rhode Island investors move faster and more efficiently. We base funding on After-Repaired Value (ARV), covering up to 90% of project costs, ensuring you have the necessary capital to complete your projects. From initial approval to final draw, every step is supported by our digital platform and expert underwriting team, helping you keep your investment on track.
Our process is designed to save you time while giving you full control over your deal. Whether you're managing one project or scaling a growing portfolio, Crebrid provides the capital and reliability you need.
Our tech-driven platform simplifies the loan process from start to finish. Submit your property details, renovation budget, and project plan, and receive fast, accurate responses. By reducing paperwork and streamlining approval times, our platform helps you focus on what matters: executing your investment strategy.
Crebrid combines the power of institutional funding with a deep understanding of Rhode Island’s unique real estate market. Whether you’re working on urban redevelopment in Providence or residential builds in Warwick, our local expertise ensures we can meet your capital needs while navigating market nuances.
We offer clear, upfront terms that allow you to structure the deal the way you want. From the leverage and interest rate to the draw schedule and fees, every detail is made transparent so you can make informed decisions. With Crebrid, you stay in control of your loan structure every step of the way.
From Newport to Johnston, Crebrid manages fast attorney closings, responsive inspections, and same-day draw decisions when possible. You’ll always know where your deal stands and who’s handling it. Our in-depth knowledge of the local market and hands-on approach ensures that your financing process is smooth and efficient.
Crebrid’s loans are designed for Rhode Island investors who require quick action, reliable capital, and streamlined execution. We help you close fast, fund smoothly, and build consistently — no matter where you’re investing in the state.
Speak to a Client Advisor
They Hit Submit. We Did the Rest.
Submit Your Rhode Island Deal Today
Rhode Island Real Estate Market Insights
Rhode Island moves fast, with some of the quickest pendings in New England, so clean, turnkey product and sharp pricing matter. If you want room to negotiate, look for pockets where inventory and months’ supply are ticking up from ultra-tight levels.
- Statewide speed: The typical Rhode Island home value is about $487,363, up 2.9% year over year, and homes go pending in around 14 days. That speed rewards investors who keep scopes tight and price close to the comps.
- Inventory & months’ supply: The Rhode Island Association of REALTORS® reported 2.8 months of single-family supply in August 2025 with a $510,000 median sales price, still technically a seller’s market but looser than peak conditions. For you, that means a bit more leverage on dated homes while clean listings still move.
- Metro signal (Providence): In Providence, homes are selling at roughly a 100% sale-to-list price ratio with about 38 median days on market, according to recent Realtor.com data. That combination of near-ask pricing and moderate DOM means your value-add projects need to be dialed in; compare neighborhoods on the Providence, RI housing overview on Realtor.com.
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
08.31.2024
Essential Tips for First-Time Hard Money Borrowers in Fort Worth
10.31.2024
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
02.10.2025Rhode Island Real Estate Investing FAQs
Before diving into your next deal in Rhode Island, it’s helpful to understand how Crebrid’s lending process works. Our approach is simple: we provide quick, reliable funding with a focus on speed, transparency, and flexibility. Below, we answer some of the most common questions from Rhode Island investors.
Interest rates depend on property type, loan size, and other deal-specific factors. At Crebrid, we price loans based on the asset value, not the borrower’s credit or income, ensuring competitive terms that fit your project. This structure ensures that you can access flexible financing tailored to your investment goals.