Hard Money Lending


Hard Money Lending Program Nationwide

Our private investor group can provide Hard Money Lending for clients worldwide. A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never issued by a commercial bank or other deposit institution.

Usually the credit score of the borrower is not important, as the loan is secured by the value of the collateral property. Typically, the biggest loan one can expect would be between 60% and 90% of the property value. This low LTV (loan to value) provides added security for the lender, in case the borrower does not pay and they have to foreclose on the property.

With hard money lending on commercial, residential and unique property types, we're your source for hard money lending. We can typically fund quickly, and have a large network of hard money and private investors, which enables us to make many hard money loans that other hard money lenders cannot. Funding on some transactions can occur in as little as 3 days, although typical hard money loans take 2 - 4 weeks to fund. Additionally, we do work with borrowers directly, all brokers are always protected.

Hard money is similar to a bridge loan, which usually has similar criteria for lending as well as cost to the borrowers. The primary difference is that a bridge loan often refers to a commercial property or investment property that may be in transition and does not yet qualify for traditional financing, whereas hard money often refers to not only an asset-based loan with a high interest rate, but possibly a distressed financial situation, such as arrears on the existing mortgage, or where bankruptcy and foreclosure proceedings are occurring. Many hard money mortgages are made by private investors, generally in their local areas. 


Hard Money Loans

  • Amounts from $250K to $100M ( over $100m case by case)

  • Interest only or interest + principal payments

  • LTV ratio: 80% (typical nationwide)

  • Origination fee: 3-10% at closing

  • Closings from 5 days subject to readiness of client

  • Interest rates: 8-16% (case by case)

  • Demographics: Nationwide

  • Term: 1-30 years


Hard money loans on Residential and Commercial

As experienced hard money lenders, we strive to structure a loan that fits your needs.

Our guidelines for hard money loans are just that, guidelines.

We are very creative, and can help you explore all hard money options available. Often times, if your transaction falls outside of our typical guidelines, we can still structure a loan to meet your needs through our network of individual hard money lenders and investors. For either commercial hard money or residential hard money, we have a solution for you.

Hard Money Loan Guidelines - Our hard money loan guidelines are pretty straight forward. We focus mainly on the collateral value of the property. Typically we will lend up to 60% up to 90% of the collateral value. If you meet this guideline, whether looking for a hard money commercial loan or hard money residential loan, contact us today to go over your scenario. We work with hard money lenders natiionwide for residential, commercial, land and construction. We specialize and often times have additional flexibility on hard money loans. This flexibility can allow for higher loan to value ratios in some cases. Additionally, we can help with hard money transactions nationwide for residential nad commercial transactions.

If you are looking to work with seasoned and professional hard money lenders, We will make both commercial and residential hard money loans. To qualify for a hard money and commercial loan with us, the loan to value is the largest factor, but we do like to see financials for the property. Typically we like to see 2 years of financials, but that is a guideline, not a hard and fast rule. We do not require a minimum debt coverage, and many of our clients come to us for a hard money loan on their commercial property because the debt coverage is less than what their bank would prefer.

If your loan to value fits our guidelines, complete our form below and we will be in touch with you within 24 hours. We are a private lender of residential and commercial real estate. From large institutional loans to smaller private lender residential and commercial real estate transactions, we can help secure the loan you are in search of. 


Asset Based Lending Programs Available


  Private Financing Available for any project, any industry worldwide


We have a direct and reliable investors sources which ensures that our clients get exatly what they need to get their project funded.

There are no restrictions with Our program if you follow our Guidelines: 
Please send us your executive summary and our application. Documents will be submitted to Our Group of Investors.  If your project is accepted, a LOI will be issued within 3 to 5 days, once accepted by both parties, A closing loan docs is issued within 10 days by investor for approval by client.  Client signs closing docs and funding within  20 days. We close within 30 to 45 business days.  The Loans interest rate is paid monthly at 4% - 6% per annum from 1 up to 30 YR Loan Program on a Fixed Years. 


Please email your application with a summary to



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Hard Money Lenders & Hard Money Loans Who uses Hard Money Lenders?

You may be a candidate for Hard Money Lenders if you are suddenly faced with an exceptional opportunity and you need to make a quick decision, but your current situation does not give you any financial leeway. You're in a position where a conventional loan is not in the picture, or you can't wait to have a loan approved. If you need your loan fast think "hard money lenders".

What is a Hard Money Loan?

A hard money loan is an asset based loan instrument placed with a private investor, bank, mortgage company, the Small Business Administration or a federal bank. Your credit rating and income will not be a consideration. Hard money lenders base the loan on the asset value of property or properties alone. The lender may offer only a percentage of the collateral property's value (Loan to Value Ratio). This type of loan is always more expensive because this type of loan is not based on traditional credit regulations which offer the investor protection from high default rates. (In addition, regulations may differ from state to state). As well as using the property to be financed as collateral, the candidate for the loan may have to use his other assets as part of the collateral.

What is the role of a Hard Money Loan Broker?

The lender may be represented by a broker who will arrange the loan. If a broker is involved the broker takes a commission called "points": the fee for finding a lender and preparing all the paper work. In some cases there may be prepayment penalties. Interest rates can run form 8% to16% or more. These loans have a quick turn around time and generally have a one to three year term, but can be longer.

What are Bridge Loans?

One type of loan, called a "bridge loan", usually permits you to borrow against the equity in your present home to make a down payment on a new home. Bridge loans are usually offered at a higher interest rate than conventional mortgages, have a shorter term, may require the prepayment of up to six months of interest, and involve payment of points.

What is a Commercial Hard Money Lender?

A "commercial hard money lender" lends to a business or individual representing a business or corporation. Collateral can be a business property or commercial property..There are also funding sources called "high risk lenders" who provide loans in situations that are too risky for banks and conventional mortgage companies. These lenders generally finance only 60% up to 90% of the amount needed. These loans will be short term, high interest rate and require multiple points to close the loan. These lenders are normally private equity lenders who deal with borrowers who have bad credit or cannot verify their income.

What is a Residential Hard Money Lender?

A "residential hard money lender" lends to a business or individual. Collateral can be a business property or residential investment property. A borrower's residence may be considered as collateral as well. This form of security, including a personal residence as part of the collateral, is called a blanket mortgage. There are also funding sources called "high risk lenders" who provide loans in situations that are too risky for banks and conventional mortgage companies. These lenders generally finance only 60% up to 90% of the amount needed. These loans will be short term, high interest rate and require multiple points to close the loan. These lenders are normally private equity lenders who deal with borrowers who have bad credit or cannot verify their income.

What Are Subprime Lenders?

"Sub Prime Lenders" are contacted by borrowers who cannot receive funding from banks and conventional mortgage companies. Credit scores between 500 and 619 often necessitate calling on a sub prime lender. The purpose of the loan may also enter into the process. A loan for a primary residence may be easier to finance. Interest rates are higher the lower the credit score, and the smaller the down payment. Hard Money Lender and Mortgage News What the Fed said: A translation Here is a translation of the Federal Reserve's surprise rate policy statement. Hard Money Loans are generally available to finance the following: dealer inventory, equipment purchases, leveraged buy outs, employee buyouts, retail, offices, warehouses, dry cleaners, gas stations, casinos, strip malls, manufacturing plants, restaurants, casinos, country clubs, manufacturing plants and a host of other projects. 



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