⚡ Hard Money Lending — TX · FL · GA

Fast Hard Money Loans for Fix & Flip Investors

Close in 7–14 days. No income verification. TX, FL & GA.

✅ Up to 90% LTV ✅ 100% Rehab Covered ✅ Close in 7–14 Days ✅ No Income Verification

Get My Free Quote →

No SSN required to get a quote · Response within minutes

Why Kovah Capital

Built for Investors, Not Banks

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Lightning Fast Closings

We move at the speed of real estate. Close funded deals in 7–14 days — not 45. Time is money, and we get it.

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Up to 90% LTV + 100% Rehab

We fund the deal AND the renovation. Up to 90% of purchase price and 100% of rehab costs, so your capital stays free.

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Investor Focused

No income verification. No W-2s. No red tape. Business purpose loans designed for the way real investors actually operate.

The Process

How It Works

Three simple steps from application to funded deal.

Apply in 60 Seconds

Fill out our short form with your deal details. No SSN, no credit pull just yet — just the basics on your deal.

Get Your Quote Fast

Receive your term sheet within minutes, 24/7. Our team reviews deals quickly so you can move on opportunities fast.

Close & Fund

Once docs are complete, we close in 7–14 days. Your rehab funds are drawn as work is completed.

Loan Parameters

Loan Terms at a Glance

Loan Amounts	$100,000 – $3,000,000
Loan-to-Value (LTV)	Up to 90%
Loan-to-Cost (LTC)	Up to 95%
Rehab Financing	100% covered
Loan Terms	12, 18, or 24 months
Available States	TX · FL · GA
Income Verification	Not required
Closing Time	7–14 days

Get Your Free Quote

Fill out your deal details below. No SSN required — response within minutes.

First Name

Last Name

Phone Number

Email Address

State

Deals Completed

Property Address

Purchase Price ($)

Rehab Budget ($)

After Repair Value — ARV ($)

🔒 Your information is secure and never sold. Business purpose loans only.

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You're all set!

Your quote is on its way! Check your phone and email within minutes.
Our team reviews deals fast — even on weekends.

Common Questions

Frequently Asked Questions

No — Kovah Capital originates business purpose loans. We evaluate the deal, not your personal income. No W-2s, tax returns, or pay stubs required.

We finance single-family residences (SFR), 2-4 unit properties, and small multifamily. The property must be non-owner occupied and used for investment purposes.

7–14 days for deals with complete documentation. The faster you get us what we need, the faster we can close. We've done deals in as little as 7 days.

Currently Texas, Florida, and Georgia. We're actively expanding — if you're in another state, submit the form and we'll let you know when we're available there.

We look at the deal first, not just the borrower. While credit is a factor, a strong deal — good ARV, solid rehab plan, equity cushion — carries more weight than a perfect credit score.