Hard money – which is the funds you borrow from a private money lender who lends on the security of the loan rather than your own creditworthiness.
A money lender serves you in the present tense, lends you in the conditional mood, keeps you in the subjuctive, and ruins you in the future.
Shylock the Jew was a well - known money lender in Venice.
Do they borrow money from an informal money lender?