Banks said no.
We say let's talk.
You've got the deal, the equity, and the plan.
You just need a lender who moves as fast as you do.
Harvest HML funds fix-and-flip and investment properties - no bank qualifying required.
What are you looking to do?
Pick your path — we'll show you the right product.
FLIP PROPERTY
Buy, renovate, sell - fast funding
BUY & HOLD / BRRRR
Acquire, rehab, rent, refinance
REFINANCE TO LONG-TERM
Move from hard money to favourable terms
⚡ Close in Days
🏦 No Bank Qualifying
🔒75–80% LTV
—LOAN PRODUCTS
Your deal. Your product.
Whether you're flipping your first house or scaling a portfolio, we have the right loan structure for where you are now, and where you're headed.
Fix & Flip
Fast funding for property acquisition and renovation. Built for investors with equity and a plan — not a bank relationship.
WHAT YOU GET
- Close in days, not weeks
- Up to 75–80% LTV
- Interest-only during renovation
- Built-in interest reserves
- ARV-based underwriting
- 12-month execution window
BRRRR / Buy & Hold
Bridge financing to acquire and stabilize rental properties, then refinance into long-term debt on better terms.
WHAT YOU GET
- Acquire undervalued rentals fast
- Rehab funding included
- Clear refinance pathway built in
- Portfolio-friendly structuring
- Exit stress-tested upfront
Long-Term / Commercial
For stabilized, cash-flowing properties. Better rates and terms for investors who've built equity and track record.
WHAT YOU GET
- Favorable long-term rates
- Amortizing payment structures
- Portfolio consolidation options
- Seamless transition from HML
- Designed for bankable investors
—HOW IT WORKS
Four steps to funded
No runaround. No waiting. You bring the deal — we move fast.
Submit Your Deal
Tell us about the property, your plan, and your numbers. We underwrite the deal, not just your credit.
Get Approved Fast
We review comps, validate your scope and budget, and stress-test your exit. If it works, you get a term s
Close & Execute
Fast closing, interest-only payments, real-time project tracking, and clear draw schedules throughout.
Exit & Repeat
Sell, refinance, or roll into your next deal. Clean documentation makes your exit smooth — then do it again.
—QUICK QUALIFIER
Find out in 60 seconds.
Whether you're flipping your first house or scaling a portfolio,
we have the right loan structure for where you are now,
and where you're headed.
—WHY HARVEST
We're not a bank. That's the point.
We're investors who lend to investors. Every safeguard we build is designed to protect your deal — not slow it down.
Speed That Wins Deals
We close in days because we front-load due diligence. No waiting on committees or bank bureaucracy.
Built-In Protection
Conservative LTV, interest reserves, and renovation review keep your project on track with margin for error.
Vetted Vendor Network
Title companies, contractors, realtors, and take-out lenders — optional, but there when you need them.
Deal-Level Underwriting
We underwrite the deal, not just your credit score. Good deal + solid plan = funded.
Real-Time Transparency
CompanyCam access, photo documentation, and clear draw schedules. No guesswork on your project.
Repeat & Scale
One deal becomes two. Two becomes ten. Stable lending relationships let you build a real portfolio.
—MEET THE TEAM
Built by investors. Run by operators.
Harvest Hard Money Lending is led by people who've done the work — in real estate, in finance, and in the field. We bring capital discipline and hands-on experience to every deal.
Jesse Regan
Managing Partner
Jesse brings over 16 years of experience in finance, hospitality, real estate development, and project management to the Harvest Hard Money Lending team. As a husband and father of three, community involvement is vital to Jesse. A proven community leader, he is a sitting City Councilman for the City of Broussard and has held chairman and board positions at the Broussard Chamber of Commerce, Broussard Economic Development Corporation, the Leukemia & Lymphoma Society, Realtor Association of Acadiana, and the Lafayette Industrial Development Board. His mission is to assist in building sustainable business models that encourage both personal and community growth.
Chase Barras
Managing Partner
Chase Barras brings extensive leadership experience from the energy sector. He most recently served as Vice President of Deepwater Operations, managing large-scale assets and cross-functional teams in high-risk environments. Alongside his corporate background, he has hands-on real estate investment experience in acquisitions, analysis, and deal evaluation. He also serves as a Residential & Investment Lending Advisor for a mortgage loan origination company, where he helps clients structure strategic and sustainable financing solutions. Guided by faith-based values rooted in integrity, stewardship, and accountability, Chase leads with vision and disciplined execution. His focus is to protect and grow capital with moral clarity and strong faith alignment while pursuing consistent short- and long-term returns for investors.
—OUR PORTFOLIO
Deals we've funded.
The best way to understand our lending criteria is to see it applied. Each deal below was executed using our full analytical framework — LTV, rehab scope, exit strategy, and market comps. Our team brings decades of combined real estate and underwriting expertise to every submission, stress-testing assumptions and identifying risk before capital is ever committed. This is the lens we use on every deal that crosses our desk, and the standard we hold ourselves to as a lender.
Modera Place Townhouse Development
Modera Place began as 1.5 acres of raw land in Broussard, Louisiana — purchased for $212,500 with nothing but a vision. We assembled and managed a full development team including civil engineers, architects, an interior designer, a builder, and local planning and zoning authorities to bring a 10-unit townhouse community to life from the ground up, with an adjacent site already positioned for a future 9-unit expansion across the street.
At completion, the project appraised at over $4 million. When the real estate market softened, we pivoted decisively — converting all units into a diversified rental portfolio serving short-term travelers, insurance-displaced families, and corporate housing clients. What began as a ground-up development became a stabilized, income-producing asset.
Modera Place is proof that real development success isn't just about breaking ground — it's about navigating every challenge between raw land and a finished, performing asset.
Bay-B Blue Vacation Getaway
This Bay St. Louis, MS short-term rental was acquired as a value-add investment for $555,000 and improved with targeted interior and exterior renovations totaling $6,000, bringing the total project cost to $561,000. Through strategic renovations, strong market positioning, and a successful short-term rental campaign, the property achieved an appraised ARV of $650,000, creating approximately $89,000 in forced equity and a 15.9% increase above total project cost. Additionally, the rental performance allowed the loan principal balance to be reduced to $455,163 at closing, increasing total realized equity in the property to approximately $194,836.73, or roughly 34.7% equity above cost basis. This project serves as a proven example of effective short-term rental repositioning, operational execution, and value creation.
A-Frame Of Mind
This Toledo Bend Reservoir short-term rental, “A-Frame of Mind,” was acquired as a value-add investment for $190,000 and enhanced through targeted interior and exterior renovations totaling $31,093.64, bringing the total project investment to $221,093.64. Through strategic renovations, thoughtful design, and strong short-term rental positioning, the property achieved an appraised ARV of $282,000, creating approximately $60,906 in forced equity and a 27.5% increase above total project cost. The property currently carries an outstanding principal balance of approximately $213,000, which continues to decrease as rental performance exceeds projected expectations. Based on current valuation and loan balance, the project has generated approximately $69,000 in total equity, representing roughly 31.2% equity above cost basis. “A-Frame of Mind” stands as a strong example of successful short-term rental repositioning, operational execution, and long-term value creation through strategic hospitality investing.
—LET'S GO
You've got the deal.
Let's fund it.
Apply in minutes. Hear back fast. Close in days.
Capital Partners — Learn about our disciplined approach to capital deployment and investor returns.