Photo of the Denver, Colorado skyline

Denver's Premier
Hard Money Lender

Cardinal Financial makes many kinds of short term real estate loans secured by property in Colorado. Loans include purchases of income property, fix and flip loans loans to LLCs, corporations, trusts and other entities as well as loans to settle estates and auction bidding loans. We can commit to a loan within 24 hours of receiving an inquiry and close within 48 hours. There is no fee for loan processing or other non essential fees. Simple 3 document closing.

CALL US 303-458-1100

Serving Denver for over 30 years

We make hard money real estate loans with the lowest available interest rates.

Most loans have no costs for appraisals, processing or other fees. If necessary, we can give you a loan commitment within 24 hours.


Borrowing from us is
quick and easy.

We don't need outside approval and don't require a large number of documents.

  • No tax returns and no income verification.
  • Competitive rates
  • Loan approval in as little as 24 hours
Learn More
Our Testimonials

What our customers say about us?

Have had several houses funded through Cardinal. Bernie Friedberg and staff are very thorough and can close loans very quickly Rates are very competitive.

Service after closing is responsive. I've referred several friends to Cardinal because of their reputation dealings with me.

Five star review icon

Maria S. (Google Review)


I love working with Cardinal Financial, they have provided funding for multiple investment properties we have purchased. The process is always very fast and simple, we have never had to have an appraisal and we have never had a problem or delay at closing. I would highly recommend Cardinal to anyone looking for a reliable hard money lender.

Five star review icon

Will P. (Google Review)

Littleton, CO

After vetting out a potential rehab deal with other potential lenders, talking to Cardinal was enlightening. Their experience and knowledge of these markets proved quite helpful in quickly determining marketability for both acquisition and exit. Knowing the market is key in this industry; Cardinal's perspective on potential Denver-based projects are invaluable.

Five star review icon

Phil O. (Google Review)


If you have any questions call us at 303-458-1100

Because we use our own funds to make private money loans, borrowing from us is quick and easy.