About Us

Straight Forword, Direct, Hard Money Lending

Decisive, Fast, Flexible

hard money lender flexibility man juggling objects on a skateboard

As you begin to apply for a hard money loan, we would like to note why Fulford Lending stands out.  First, whenever you speak with Fulford Lending you are speaking with a decision maker. Second, we lend our own money, so we won’t lead you through a hoop of ominous criteria. This allows us to make quick decisions and offer flexibility in our loan terms specific to your needs.  Third, over sixty percent of our borrowers are repeat customers. Customers like our interest-only rates, flexibility, and interest in their business’ wellbeing.

Virginia, Maryland, and D.C Local​

Washington DC hard money loans city picture
Virginia hard money loans city picture
baltimore maryland hard money loans city

Today, Fulford Lending continues to operate as a family owned and operated direct Hard Money Lender in Falls Church, Virginia. Fulford Lending is primarily focused on providing hard money loans in Virginia, Maryland and Washington, DC.  In those areas, we make business and investment loans on all types of real estate.  And, we underwrite, fund, and service all our loans. Our primary considerations involving a hard money loan include ensuring a commercial, business, or investment purpose, and proper collateral valuation.  If you can satisfy these considerations, then we look forward to doing business with you.

Hard Money Loans for Real Estate

hard money loans 50 years experience

   For over 50 years, Fulford Lending has been involved in real estate throughout the Greater Washington, DC metropolitan area.  We’ve owned and operated every type of real estate enterprise from construction companies to property management companies.  We’ve done every type of real estate investment from new constructions, to fix & flips, to long term rentals. Our experience entails that everyone at Fulford Lending understands your specific needs and can accordingly package a hard money loan.

A Rich Family History Of Funding Investments

investment capital growing from ground

      Fulford Lending has a long history of providing hard money loans to the Virginia, Maryland, D.C. area. Nathaniel Simmons Fulford the first planted the seeds of Fulford Lending in the mid-1800s. He supplied equipment, fertilizer, and seed to farms located in North Carolina. Nathaniel owned the largest hardware store in the state, which attracted farmers during growing season whose livelihoods were in seed and equipment. In lieu of direct purchase, Nathaniel would extend credit for a mortgage against the farm. Upon the harvest, the farmer would repay their obligation and redeem the mortgage. Back then, agriculture was the basis of the US economy and sustained many American families.


     Six generations later, the Fulford family has watched the US progress through waves of industry and technology, reaching far past the surveyed limits of a farm. However, the essence of lending has remained the same. It serves to empower new generations of businesses with short term loans to invest, and help create their own wealth. Nathaniel never wanted to own the farms surrounding his hometown. Rather, he saw a prosperous community where the people were not limited by funds. At Fulford Lending, it is a vision we still strive for today through providing hard money loans.