Commercial Hard Money
What is a Commercial Hard Money Loan?
Commercial hard money is a type of asset-based loan used to finance new commercial real estate acquisitions or property renovations, and is usually secured by the value of the property, instead of the borrower’s credit or income.
1. Fix-and-Flip Commercial Properties
- Buy distressed office, retail, or mixed-use buildings, renovate, and resell for profit. Or renovate, lease out, and refinance using the newly instated commercial rental income.
2. Cash-Out Commercial Equity
- Tap equity in an existing commercial building to immediately fund another purchase or cover unexpected business expenses.
3. Redevelopment/ Construction
- Fund construction, renovations, or major rehab projects, especially when pre-leased income or permits are still incomplete.
4. Credit or Income Issues
- Get funding even with low credit or insufficient income documentation (common for self-employed investors)
5. Cross-Collateralized Loans
- Use equity in one or more properties to fund the purchase of another property, or larger property acquisition.
Loan Request
Contact Us
Why Should You Use One?
Commercial hard money are best used to cover short-term financing needs for a landlord or investor in order to access fast capital to acquire, improve, or develop or an asset.
This loan is not ideal if the following apply to you. Please see our other loan options available here.
- If you don’t have a clear plan for exiting the loan (like refinancing, selling an asset, or securing long-term financing).
- If the renovation or development timeline is overly long or has an estimated construction timeline greater than 2 years.
- If your business or other properties do not generate enough income to cover the hard money loan monthly payments
- If you're working with a low margin deal that does not offer enough profit or upside to transition into a traditional loan.
Is This Loan Right for You?
Request your Free 30 Minute Consultation to talk with one of our experts about your real estate or business situation. We'll help you brainstorm creative loan options and explore various financing solutions.