Hard Money

Hard money describes fiat money that has a stable market value relative to real goods and services and a strong exchange rate relative to foreign currencies. Businesses may choose to hold hard money because its stable value makes it a more conducive store of value, unit of account for profit-and-loss accounting, and medium of exchange.  

Usage in lending
A hard money loan is a type of loan that is backed by the value of a physical asset, such as a car or home. Hard money loans typically have shorter terms and higher rates than traditional loans, and are more common in the real estate industry.  

Hard Money Lenders

Hard money lenders are private lenders that provide funding for a hard money loan. 


A hedge is an investment that protects an investor’s finances from being exposed to a risky situation that may result in a loss of value. Hedges serve as a form of insurance – they help prevent an investment from losing value by offsetting losses with gains in another investment. 

Hedge Fund

Hedge funds are investment pools used to invest in securities or other investments with the goal of generating positive returns. Most hedge funds typically have more leeway to pursue investment strategies that may inherently carry a higher risk of loss.