Is using a Hard money lender considered cash or financing?

[Chris Laino]

I am working with a client who is looking to flip a property and will be using a hard money lender. I am writing up the offer but I didn't know if it would be considered a "cash" offer or financing. If they ask for proof of funds, how do I show that?

Thanks!

[Caleb Heimsoth]

@Chris Laino. This is financing because it has to be paid back. Get a proof of funds letter