Hard Money Lender rehab amount

[Sanjay Gupta]

Is it legal for hard money lender to charge interest on full rehab amount even though full rehab amount was not given. We have 90K rehab money which was funded by Hard Money Lender, however due to stricter guidelines we end of using lots of our money to fund rehab. Out of 90K, only 60K was given ( in about 3 installments and based on work completed) and 30K is still remaining and we have finished project. When I asked Lender they said yes they charge interest on full rehab amount even though we have used only 60K out of 90K  so my question is, is it legal to charge interest even full rehab money is not advanced.