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A Hard Money Loan is a type of financing that involves securing a property in order to obtain funds. This type of loan is often utilized by investors or businesses who require immediate access to capital for a short period of time. However, it is important to note that the interest rate for a Hard Money Loan is typically higher than traditional loans, reflecting the increased risk for the lender. Additionally, the property being used as collateral means that the borrower must be diligent in repaying the loan, as failure to do so could result in the loss of the property.