When Is A Hard Money Loan?

  • A hard money loan also known as a (private money loan) is an asset based loan that is secured by real estate.

With Hard Money Loans…

  • Hard money lenders focus is on the value to secure the loan, but except those with a history of low credit and blemishes such as foreclosure, short sales & bankruptcy.
  • Loan to values are typically 55% to 75% of the current value, sometimes a lender will lend on the (ARV) after repair value.
  • Lend on non-conforming loans that banks will not lend on.
  • Terms on hard money loans are short like bridge loans and can be from 1 – 3 years.
  • Hard money lenders take on more risk so the interest rate will be higher than a conventional loan.
  • Fast closings
  • You must not only be able to assure the lender of consistent future cash flow and/or liquidation of the property, but that you also have a solid exit strategy to be able to obtain long-term financing, once your term has expired on the hard money loan.


What Type of Project Should Hard Money Be Used For?

  • Projects that banks will not take and need to close fast
  • Those who have credit issues such as foreclosure, short sale &
  • Any commercial real estate including Fix and Flips
  • Real estate investors who need a quick close

We Have An Option When Conventional Lending Isn’t It?

If you have a lot of equity in your property and have had trouble getting a loan from a conventional lender, or have been recently affected by divorce, illness, or the loss of a job, a hard money loan could help you rebound!

We offer a full range of commercial loan types.  Click view more to view our full range of products.

  • Commercial
  • Business
  • Equipment
  • Hard Money

View more commercial loan types available to you.

We offer a full range of commercial property types.  Click view more to view our full range of products.

  • Apartments
  • Residential Investment
  • Restaurant
  • Office

View more commercial property types available to you.

  • Complete our Commercial Loan Quick App and one of our commercial loan advisers will contact you today.
  • After speaking with one of our commercial loan advisers about your Quick App, you will receive a full loan package. Complete & submit the packet along with all pertinent documentation.  Upon receipt and qualifying review, a loan proposal with rate and term conditions and fees will be issued to you by us and/or the lender.
  • You will then select the best option for you and your business, confirm and we will move forward towards closing.