New Construction, Rehab, Bridge Loans

Located just a few miles from the NJ border, we are a private lender offering direct balance sheet lending, specializing in fast, reliable loan funding. Our hard money loans in NJ provide 12-month, interest-only private funding for a variety of programs, including:

• New Construction
• Rehab
• Bridge Loans

Advest – Your Trusted Private Hard Money Lender in NJ

Our journey began with our first loan in Princeton, New Jersey, and since then, we’ve developed a deep understanding of the NJ market. New Jersey boasts a robust real estate market, thanks to its proximity to major cities like New York City and Philadelphia.

Whether you're looking to completely renovate a multi-family dwelling in Jersey City or remodel an outdated suburban home in Mercer County, we know what it takes for you to succeed. New Jersey offers unique opportunities, and real estate investors are capitalizing on them every day.

As a dedicated hard money lender in New Jersey, we take pride in the strong local relationships we've built with top appraisers, attorneys, and title agents across the state.

Success Story

Your NJ Lender for Hard Money

New Construction
The main benefit of private construction loans from hard money lender like Advest is speed to close and flexible underwriting. New construction loans are available only to experienced investors, contractors, and builders, who typically can borrow up to 70% of the as-completed value.

According to the National Association of Realtors, there is a shortage of 5.5 million homes in the U.S. The most underbuilt area of the country is the New York City – New Jersey Metro area where there are more job openings than single-family permits.

Since we are intimately familiar with the New Jersey market, we have the local touch other lenders lack. With our understanding of the market, we move faster and have developed strong relationships with builders in NJ.

Fast Fix and Flip Financing
The housing stock in New Jersey is growing older with every passing year. The greatest period of home construction in New Jersey was between 1950 and 1970 and today, the median age of a home in New Jersey is 53 years. Older homes often lack features buyers expect to see like spacious kitchens, open floor plans, and walk-in closets. Our talented group of fix and flip borrowers have the vision to transform a property into a highly marketable sale-ready home.

Speed is critical to capitalizing on investment opportunities, and Advest provides funding solutions that traditional lenders cannot. We can generally close in 10 business days and we can cover up to 85% of the purchase price and 100 percent of the rehab costs for a property.

Bridge Loans
In the world of real estate, a bridge loan is a type of loan that “bridges” the gap between short-term cash needs and permanent financing. Since bridge loans can usually be funded in two weeks or less, NJ real estate investors have increasingly turned to them over the years. Advest funds many stabilized rental properties in NJ where the investor needs to close quickly since permanent financing will not be available before the closing date.

We have funded a lot of bridge loans in New Jersey over the years so we are familiar with the various markets and can save the real estate investor time and money.

Your Local New Jersey Private Money Lender
With our knowledge of the New Jersey real estate market, Advest can structure loans that fit your funding needs. From multi-family rental property in Newark to luxury fix and flips in Madison, we understand how to tailor New Jersey loans to match your specific project in these distinctly different markets. If you’re looking to use our NJ private money for real estate investments, contact us today.

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