Hard money lenders in Arkansas fund on the asset, not the borrower’s tax return — fast, short-term, business-purpose capital for acquisitions that conventional lenders can’t move on in time. Arkansas investors use it for auctions, estates, BRRRR starts, and bridge situations across Northwest Arkansas (Fayetteville/Bentonville) and Little Rock.
What Arkansas investors use hard money for
- Estate and probate acquisitions in Northwest Arkansas (Fayetteville/Bentonville) that need certainty of funds
- Distressed / non-warrantable assets a conventional lender will not touch
- BRRRR starts — acquire and rehab, then exit to Arkansas DSCR
- Bridge between purchase and permanent financing or sale
Why speed matters here: Arkansas foreclosure is non-judicial — statutory power-of-sale foreclosure is available and efficient. Asset-based capital lets you act on that inventory before financed buyers can.
Arkansas hard money terms (2026)
| Term | Arkansas range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $165,000 – $265,000 typical ARV |
Arkansas metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Northwest Arkansas (Fayetteville/Bentonville) | $280K–$420K | $1,600–$2,300 | Walmart/Tyson corporate growth drives appreciation |
| Little Rock | $150K–$250K | $1,100–$1,550 | core value-add market for resale flips |
Arkansas levies state income tax (~2%–4.4%); structure the hold or flip exit with that in mind.
Diligence before you fund in Arkansas
Underwrite local risk honestly in Arkansas:
- Tornado and hail in the central and eastern counties
- NWA floodplain on select acquisitions
What we need to issue a Arkansas term sheet
- Purchase contract or auction confirmation
- Scope of work and rehab budget
- Comps or a desktop valuation toward ARV
- Entity documents (LLC operating agreement, EIN) for vesting
- Proof of funds for down payment and reserves
Bring those and a Arkansas file can move to term sheet quickly — the asset and the exit do the talking.
Recent Arkansas deal
Little Rock SFR value-add funded at 86% LTC with full mechanical scope in draws. Asset and exit drove the approval — not a personal income file.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Arkansas that means one of two exits:
- Resale — finish and sell via fix and flip loans Arkansas economics
- Refinance — stabilize and hold with an Arkansas DSCR loan
Arkansas Securities Department oversees mortgage activity; verify NWA flood plain on select acquisitions.
Arkansas hard money FAQ
How fast can an Arkansas hard money loan close?
With clear title and a workable scope, Arkansas deals can fund in roughly 7–14 days — fast enough for Northwest Arkansas (Fayetteville/Bentonville) auction and estate deadlines.
What leverage do Arkansas hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $165,000 – $265,000 band in Arkansas). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on an Arkansas hard money loan?
Either resale via fix and flip, or refinance into an Arkansas DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Arkansas Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.