Hard Money Loans

Unlock capital tied up in fixed assets.

Hard Money Loan Advantages

Quick approvals and funding.

Flexible eligibility requirements.

Trustworthy lenders with streamlined application process.

Bridge loans and unique funding programs.

Hard Money Lending Overview

When you can’t afford to wait for financing, hard money loans put capital in your hands fast. Hard money loans are short-term loans that give you access to capital so you can put an offer down on real estate, onboard new equipment, or bring in added inventory on your schedule, not the bank’s. Most loans are approved in about 24 hours and qualifying is easy. Loans are based on the value of your assets, not on your credit score.

A hard money loan won’t replace a commercial mortgage or equipment loan. Instead, it lets you manage upfront expenses right away. You can replace the loan later with permanent financing. Hard money loans have short terms – from a few months to a few years – and won’t finance your long-term expenses. It’s important to plan ahead for any type of refinancing so you have a plan in place to manage debt.

Take a business-changing infusion of capital

There’s no one right way to use a hard money loan. They’re versatile enough to handle a range of business expenses. Some investors use hard money loans to add real estate to their portfolios. Making a cash offer will put you ahead of the competition in a tough market and hard money loans help you do it. Because hard money loans aren’t the same as a long-term mortgage, investors can fix and flip properties without worrying about making a long-term commitment. They can pay off the loan without having to pay the penalties other loans charge for early repayment.

Hard money loans essentially make business necessities affordable, fast. With a hard money loan, you can get the equipment that’s important for keeping your production on track. Since the equipment becomes the collateral, you don’t need separate assets to secure the loan. That means you can put it to work for you sooner.

Recently Funded:

Bar and Grill cash out hard money loan $1.2m

Our Services

You deserve straight forward, custom tailored financing solutions. And that is precisely what we deliver.

Commercial real estate moves fast. Get financing that will keep you up to speed without having to wait for your bank to scrutinize your credit. Be approved today and close on your next property deal tomorrow. Ask a broker to show you how a hard money loan works for your business.

When your equipment breaks down or your high-performance software expires, getting back up and running can take a lot of capital. A hard money loan gives you access to the cash you need right away, so you don’t lose productivity. Learn how a hard money loan can help you pay for machines, vehicles, phones, and computers today.

If you need a boost to your working capital, why not leverage your existing inventory? You don’t have to wait for orders to come in to get the cash you need now. Secure a hard money loan on your inventory to get working capital for expenses or use the loan to bring in the inventory. The choice is up to you.

F.A.Q’s

Q. Aren’t hard money loans risky?

Hard money loans are like many other short-term loans. If you don’t plan ahead, you can face default as most hard money loans end with a balloon payment. Before taking out any loan, it’s important to analyze your budget to ensure you can repay it in the short term. Your broker can help you plan.

Q. How do I know if I need a hard money loan?

Do you need working capital, equipment, or real estate? Do you need it now? Then, a hard money loan might be right for you. If you can afford to wait for financing, a traditional loan may cost less. However, hard money loans are usually an easier, faster loan to close.

Q. Where can I find the best hard money loan?

When you’re shopping for a hard money loan, you have a lot of options. It’s important to find a reputable lender who understands your business goals. But jumping from lender to lender takes time and energy. Unless, of course, you use a commercial broker. We’ll help you compare across lenders at the same time so you don’t have to run around.

Q. When is a hard money loan not a good fit?

Hard money loans have many advantages, but they’re not right for every situation. The speed and convenience of a hard money loan comes with a higher price tag than more traditional loans. So, if you can afford to wait and you have good credit, it can be advantageous to seek a longer-term option. Let us help you find one.