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Hard money loans are specific type of asset-based loans which a borrower receives funds and is secured by the value of a parcel of real estate. Hard money loans are typically issued by private individuals/investors or companies. Interest rates are usually higher than conventional the lenders. Most of loans are typically used for projects lasting a few months to a few years. It is similar to a bridge loan, which has similar criteria for lending as well as cost to the borrowers. The major difference is that a bridge loan refers to a commercial property or that may be in transition and does not yet qualify for a traditional financing, on the other hand hard money often refers to not only an asset-based loan, but possibly a distressed financial situation.