Local & Trusted Real Estate Investment Lender
I’m Just a Little Guy, lending money to Real Estate Investors.
Residential
Residential Fix & Flip Loans in Iowa
Fast hard money loans for house flippers and investors in Des Moines and across Iowa.
Commercial
Commercial Bridge Loans in Iowa
Bridge loans from $250,000 to $3,000,000 on apartments, multifamily, retail, mixed-use, and industrial properties in Iowa.
Here's What Makes us Different
As locals, we pride ourselves on our expertise and swift, efficient service. At Little Guy Loans, we’re more than just a lending company—we’re your dedicated partners in success.
Local Expertise
Because we are based locally, we have an in-depth understanding of the market. Our experience allows us to offer tailored solutions and practical insights to complement the specific needs of our borrowers.
24 Hour Approval
In this business, time is money. We offer lightning-fast loan approval, often within just 24 hours. You can trust that your financing needs will be met promptly, so you can capitalize on opportunities without annoying or costly delays.
5 Days to Fund
We offer a streamlined closing process that allows us to close deals within an impressive 5-day time frame (post clear-title). Our network of local professionals allows us to close fast, so you don’t waste time in escrow.
No Appraisals
Appraisals can be time-consuming, expensive, and add unnecessary layers of complexity to the lending process. At Little Guy Loans, we don’t need or use appraisals, allowing for a smoother and more efficient loan approval.
Extensive Network
Over the years, we’ve cultivated strong relationships with attorneys, contractors, and other pros in the local market. Our network is a resource our borrowers can always tap so they can get their deal done.
Local Support
Whether you’re a seasoned investor or just starting out, you aren’t just another borrower. Swing by our office, or grab coffee. We take the time to understand your goals and offer financing solutions that align with your objectives.
We Offer a Fast & Easy Application Process
Our Team Makes the Process of Getting Financed Quick and Convenient Without the Usual Headaches That Come with Other Lending Companies
Easy Application
We’ve created an easy form that’s easy to understand and simple to fill out. No more confusing Big Bank applications that waste your time and leave you feeling defeated!
24 Hour Approval
Once we receive your application, our team quickly reviews it so you know if you’re approved. If you don’t qualify, we’ll let you know how you can improve your application for future approval!
5 Days to Close
Once you’re approved, we move fast to finalize all necessary documentation in preparation for closing and get your funds released so that you can get to work ASAP!
Neil Timmins
Founder of Little Guy Loans
Neil founded Little Guy Loans after successfully rehabbing hundreds of homes.
He leads a small, tight-knit team that takes the time to truly understand your business and goals. With extensive experience in real estate, including residential rehabs, rentals, Airbnb, wholetails, and wholesales, there’s not much the Little Guy Loans team hasn’t seen.
From handling lead flow issues and navigating probate to dealing with surprise sewer line problems or managing contractors, Neil and his team have been in your shoes.
You’ll get much more than just a deal financed—they offer years of expertise to help you avoid costly mistakes and overcome obstacles more efficiently.
Running into an issue you can't solve? Try the Little Guy.
What Others Are Saying
We Work with Real Estate Investors In Our Local Market Get Their Deals Funded
“Time is a huge thing. We’ve got multiple projects going on at once. We can’t be waiting on banks.”
Collin C.
25+ Rehabs a Year
“I don’t feel like Neil will ever pull the rug out from under us like the last private lender did to us.”
Julie C.
Realtor & Experienced Investor
“You took a chance on us, and that meant to me, ‘I can do this!'”
Kristina C.
Mom of 5 & New Investor
“The process for me was actually really easy. I didn’t have any trouble.”
David B.
Rehabber & Realtor
“Having an actual person & relationship with somebody that’s done all of that before we have is huge”
Matt Y. & Tony R.
Full Time Investors, Sell Direct Iowa
“Thank you for stepping in and helping get this deal to the finish line.
From the moment the first lender was not able to complete their end of the deal, you guys were there and ready
Your quick application process and prompt communication from you and your team allowed us to close in 3 short days and keep the sellers happy
Thank you again for saving this transaction!!
Bob C.
Re/Max Concepts
REALTOR
We Offer the Right Type of Loan Your Next
Investment
Fix & Flip
Our team understands the importance of quick funding for fix & flip deals. You can get approved for a new loan in just a few days. This is one of the several reasons investors in our local area choose us as their fix & flip lender.
BRRRR
Have a new home you need to renovate but don’t have the necessary funds to get started? We can help you get approved fast for a Hard Money Loan, so you can begin renovating your new investment property.
Multi-Family
We don’t just work with single-family investors. Have an apartment or multifamily property you need funding for? We offer competitive rates on multi-unit properties and can get you approved within just a few days!
Commercial
Are you looking to get financed for your next commercial property deal? We are experienced commercial investors with over 10+ years of experience and know exactly what you need to do to get financed quickly.
Why Should You Work With Us to Get You Funded ?
We specialize in providing investment loans for residential properties to investors who choose to avoid the hassle of going through traditional bank financing or are not able to get approval from a conventional bank.
Often, our borrowers don’t have the time to waste waiting for a bank loan, and we’re able to provide them with a quick and time-efficient hard money loan for their next residential investment. Click below to start your application process!
100's of Rehabs Completed
We've worked in the real estate investing space for over a decade and have personally completed hundreds of rehabs. We understand what it takes to be successful, and this translates well into us working with our local investors.
Local Expertise
We aren't like the big guys. We are right in town and our borrowers regularly see us at local meetups. When you work with us, you get the advantage of our local expertise. We've flipped hundreds of homes. Chances are, if you run into a problem, we've already solved it.
Investment Flexibility
If your project goes over schedule, we can work with you to extend the terms. Our years of experience give us the ability to work with investors using different exit strategies. Our team is flexible so that you can focus on what's most important
Learn How to Get Approved Fast for a Hard Money Loan
Download our free eBook and discover exactly what you need to get approved for your next (or first) hard money loan in a snap!