Fast Hard Money Loans
America’s leading hard money lender specializing in bridge loans for commercial property and raw land development, workouts, bankruptcy and foreclosures. So, no matter where in the USA you do business, we make getting a hard money loan fast and easy.
Hard Money loan, Super Fast
2 Day Loan Commitment
As Fast as 10 Days for Closing
Up to 65% loan-to-value Ratio
Commercial Property Acquisitions and Refinancing
Development and Construction
Bank Workouts
Need a Hard Money Loan FAST? A hard money lender may be exactly what your business needs because you are consistently hearing no from the banks when you are attempting to obtain financing.
Loans sizes range from $25,000 $ 10 million ( upto $75 million for commercial properties) on properties nationwide. Terms can be as short as 6 months to as long as 20 years. Interest rates are dependent on the risk analysis of each project, but are typically in the 10% – 13% range with low fees starting at 2%.
There are times when quick and creative financing is needed. We are Hard Money Loans experts. As a Hard Money Lender with fast access to the capital needed from private investors, we can help. Commercial Real Estate, Construction or Residential Loans – Fast! All at Best Available LTVs.
Hard Money Loan no Credit checks
Unlike traditional lending, which is largely defined by credit scores and the borrower’s ability to repay, hard money loans are based almost entirely on the value of the underlying asset. We are direct Hard Money Lenders nationwide including Texas, Florida, California, Nevada Las Vegas, Michigan, Georgia, New York, Maryland, Ohio, Rhode Island, Connecticut, Indiana, Atlanta, Colorado, Arizona, Kansas, Chicago, Minnesota, Illinois, Virginia, Salt Lake City Utah, New Jersey, National USA, Canada and International. We can satisfy ALL of your lending needs and requirements.
We are known for speed, service and integrity. Investors know that when they need a fast funding decision and a quick closing, or construction hard money loan, they can rely on us to be there for them. If you need quick access to financing to close on a property in as little as 2 weeks or less or do not meet conventional bank financing but have equity in their property Contact Us Immediately – WE CAN HELP! Deal Direct with the Lender NOW! Hard Money and Private Money Mortgage Specialist.
Simply complete the quick profile below, and we will start the ball rolling immediately
Hard Money Loans, Fast Private Lenders, Special Circumstance Financing Structures are available for almost any type of commercial real estate or residential development that cannot be funded by the more traditional lender.
With traditional lending sources virtually non-existent for Real Estate Investors, hard money loans are quickly becoming the primary source of funding for real estate transactions. Hard Money Lenders are literally poised to lead the recovery in residential real estate.
Equity Based Lending
Known as “Equity-Based Lending”, the strength of a hard money loan is the fact that lending decisions are based on the merits of the deal…not the borrower. If the deal makes sense, the money will be there. And with the ability to close a deal in cash in as little as 24 hours, your offers will stand head-and -shoulders above your competiton’s…which means more of your offers will be accepted. It’s almost an unfair advantage.
Real estate loans are plentiful to some and come in many different types. Real estate investors prefer using something called hardmoney loans. The reason real estate investors prefer the hardmoney loans are that they allow them the opportunity to buy a property quickly and fix it up for flipping. There are both good points and the negative side to these types of loans.
Part of the application process for obtaining hard money funding is to provide something called a ‘Scope of Work’. This is a worksheet that provides details about every kind of repair that the investor is planning to make on the property to rehab it for resale. This is a gauge that the hard money lender will use against the property in question. If any repairs are done to the property that is not listed on the worksheet, reimbursement may be difficult to get from the lender. The purpose of the worksheet is to be sure that both the lender and the borrower are seeing ‘eye to eye’ on what the project will encompass. There is usually some leeway allowed by lenders during the process of the rehab when unforeseen things come up.
Investors usually require at least twenty percent as a down payment on hardmoney loans. Most lenders will also want to see that the borrower has reserve money sitting somewhere in a bank account. The monthly income that the investor makes is a big consideration for the approval of the loan. The credit rating of the borrower has little influence in the consideration of loan approval but other factors about the cash on hand and the property potential is far more important to the lender. Each lender will have their own specific requirements for issuing funding but most will be more concerned with loan to value.
The repairs that the investor plans to make on an investment property will be estimates. There are always many variables when the actual work begins which is just the way it is in the ‘real world’. For this reason it is usually a good idea to submit an estimate that is higher than you think the repair will really cost. This way you have a better chance of not running into a situation where you need to ask for extra funds. If there is extra money left, then you can return it to the lender or keep it as a reserve but it is not something that should be spent for any other purposes. Hardmoney loans are only to be used for the purpose of buying and repairing the property as listed in the loan agreement.
Businesses that are in urgent need of a loan for commercial purposes have discovered a good source in getting what they need through hard money commercial loans. They serve as a means to getting favorable and much faster results to satisfying financial needs without added stress, headaches, and denials that sometimes come with getting a bank loan. Consulting with hard money commercial lenders and investors who specialize in hard money commercial loans find ways to make deals happen.
The benefit to doing business with commercial hard money lenders is they will look at all applications that fall into the non-conforming category that the banks immediately turn down without your input or your plan for development and growth.
Lenders who review and approve hard money commercial loans welcome your application with open arms. There are many businesses that need funding without having to go through a lot of red tape and the extensive scrutinizing that comes along with it. They have come to appreciate the consideration and approval they are extended.
When dealing with these lenders, you will be working with private companies, private investment firms, and high end, high profile investors. They have the expertise and the knowledge to recognize a good deal when they see one.
There are different reasons to use hard money commercial lenders. They can assist businesses in a variety of industries. Some loan applications are submitted for new ventures, like commercial real estate developments. Many loans are used for major start ups of a corporation who have excellent products and services, and a good financial road map to deliver profits. This is a core part of your presentation that will show lenders you are on the right path of growing a company and will be able to meet the agreed upon loan payments.
Bridge Loan
Another avenue that hard money commercial lenders may offer is known as a bridge loan. This type of loan can help you short term if you only need capital to continue operating for a designated period of time until you come into your own money. An example would be if you are selling land and you need extra funding to keep the property afloat until it is sold and you realize your profits from the sell.
Some lenders may have a stipulation that involves you selling the property to them and lease it in return until it is sold. Most hard money commercial loans offer smoother transactions and are a good means to accomplish your needed financial request for assistance.
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