Yes, credit is not the most important part of a hard money lenders underwriting decision.  Lenders will still lend on a good project to a borrower with bad credit.   Hard money lenders pull credit, but unlike traditional lenders, hard money lenders focus more on the property’s value and equity over the borrower’s credit score. However, a higher credit score can sometimes lead to better loan terms, lower interest rates, or reduced down payments, but even borrowers with low credit can still qualify if they have substantial collateral (a suitable property) and a solid investment plan (have the ability to execute/perform on their project).