Hard Money Loan Contract Template Hard-Money Loan Documents. Hard-money loan documents generally consist of a promissory note (sometimes called a real estate lien note or secured note), a commercial-style deed of trust and security agreement (although this document may be separated into two instruments); and occasionally a participation agreement (or equity participation.California hard money lender California Hard Money loan wilshire quinn typically funds loans in 5 to 7 business days and originates bridge. to purchase or refinance an investment property. Wilshire Quinn, a California hard money lender, provides.