Commercial Hard Money Loans – Fast Funding for Multifamily, Retail & Office Investors
Fast commercial hard money loans for investors nationwide. Close deals quickly on multifamily, retail, office, warehouse, mixed-use, and specialty properties with confidence.
Our approvals focus on the property’s value—not your rent roll. Fund acquisitions, refinancing, or value-add projects with speed and certainty.
- ✅ Multifamily, Mixed-Use, Retail, Office, Warehouses & More
- ✅ Close in as little as 20 Days Nationwide
- ✅ Up to 50% Loan-to-Value (asset-based) / 70% LTV with 650+ credit
- ✅ Qualify with Minimal Documentation
- ✅ Fast Funding for Acquisitions or Refinances
HardMoneyMan.com LLC provides commercial hard money loans that empower investors to move quickly in competitive markets. Whether you’re acquiring or refinancing multifamily, retail, office, warehouse, or mixed-use properties, our loans prioritize the property’s equity and exit strategy.
With approvals based on asset value, investors can access up to 50% LTV on asset-based programs, and up to 70% LTV for borrowers with 650+ mid credit scores based on strong rents. Minimal documentation, fast underwriting, and no bank interference mean your deal closes in as little as 20 days.
From New York auctions to projects in Florida, our nationwide commercial lending solutions make it easy to fund acquisitions, refinances, or high-stakes investments with confidence.
Commercial Hard Money Lenders for Fast Commercial Real Estate Financing
Looking for fast commercial hard money loans that cut through the delays of traditional banks? Our team of expert commercial hard money lenders offers commercial hard money loans nationwide with local expertise in New York, New Jersey, Pennsylvania, Florida, Texas, Illinois, Georgia, North Carolina, Virginia, Massachusetts, Indiana, and Ohio as well as most other states.
Whether you’re acquiring or refinancing a commercial real estate deal, we deliver fast closings, flexible terms, and customized lending solutions designed for high-stakes property investment.
We fund:
- Multifamily and mixed-use properties
- Retail storefronts and shopping centers
- Warehouses
- Office buildings and automotive
- Sober living homes
What Is a Commercial Hard Money Loan?
A commercial hard money loan is a funding solution designed for real estate investors that own or are buying a commercial property. . Unlike traditional banks, hard money lenders focus on the property’s value and potential, not your credit score under their asset based programs which are capped at 50% loan to value, while 650+ mid credit scores can go to 70% loan to value.
Key Highlights:
- Speed: Most deals fund in 20 days
- Flexibility: we lend based off the property not the property income
- Accessibility: Qualify with limited documentation and no bank interference
Whether you’re looking to acquire or refinance a commercial property, hard money financing empowers you to move fast in competitive real estate markets—from New York commercial real estate auctions to value-add deals in Florida.
Why Work With Commercial Hard Money Lenders?
In today’s fast-paced real estate market, commercial hard money lending gives investors a critical edge over traditional financing. Whether you’re navigating tight closing deadlines or investing in non-stabilized assets, our funding models eliminate bank red tape and deliver streamlined capital.
Speed vs. Traditional Bank Loans
Banks may take 30–60 days to fund your deal. Our average funding time? 15-20 days, with faster turnarounds available in high-urgency cases.
What Types of Properties Do We Fund?
We specialize in financing commercial real estate across asset classes, tailoring loan programs for acquisition, rehab, refinance, and bridge needs.
Eligible Property Types
- Retail centers: Strip malls, single-tenant retail, downtown storefronts
- Multifamily buildings: Five units or more, stabilized or transitional
- Mixed-use properties: Retail + residential, value-add projects
- Warehouse assets and self-storage: Manufacturing, storage, distribution
- Office buildings: Stabilized or repositioning plays
Location-specific variations include:
- Multifamily rehab loans in New Jersey
- Retail acquisition funding in Florida
- Bridge loans for Texas industrial space
Flipping smaller residential properties instead? Our Hard Money Loan for House Flip page is tailored for investors working on single-family, duplex, or quad rehabs.
Local Lending Expertise Across Key Markets
We fund deals nationwide—but bring local knowledge, speed, and strategy to the real estate markets where you operate. Whether you’re tackling a storefront rehab in New Jersey, a multifamily acquisition in Texas, or a mixed-use reposition in Illinois, our team knows how to close hard money deals in your state.
New York
Fast funding for urban infill and mixed-use projects across Brooklyn, Queens, and Manhattan.
New Jersey
From Newark fix & flips to shore-town rehabs—we know your market as we are based just across the bridge from Toms River.
Pennsylvania
Private funding for 5+ unit, Mixed Use, Strip malls, Sober living and retail deals across Philadelphia, Pittsburgh, and beyond.
Texas
Deep experience in Dallas, Houston, Austin and San Antonio commercial lending.
Illinois
Funding for multifamily, mixed-use and retail deals in Chicago and across the state.
Georgia
We specialize in bridge and long term commercial hard money loans throughout Metro Atlanta and Savannah.
North Carolina
From Charlotte to the Triangle, we back high-potential commercial projects.
Virginia
Funding office, retail, multifamily and self-storage across Richmond, Northern VA and Tidewater regions.
Massachusetts
Boston-centric lending for multifamily, office, retail, self-storage, sober living and mixed-use
Ohio
From Cleveland to Columbus —we cover it all. 5+ unit, Mixed use, retail, office, self-storage.
Limited-Time Funding Opportunities – Act Fast
Markets move quickly. So do we.
Whether you’re closing on a retail center in Texas or repositioning a multifamily asset in New York, we fund commercial hard money deals with speed and certainty—often in under 20 days.
Stop waiting on underwriters. Start closing like a pro.
Loan Programs, Terms & Funding Process
Whether you need acquisition financing, bridge capital, or rehab funding, our commercial hard money loans are tailored to your deal and your timeline. We offer short-term, interest-only solutions that help you maximize cash flow and close fast.
Available Loan Programs
- Commercial Bridge Loans – Fund transitional assets or refinance quickly
- Rehab Loans – Perfect for value-add projects with heavy repositioning
- Cash-Out Refinance Loans – Unlock equity from stabilized or semi-stabilized properties
- Owner occupied commercial properties with no debt service coverage if loan amount is under $750k
- 5m Max loan
Loan Terms & Repayment Options
- Loan Amounts: $100K – $5M+
- Rates: 10.99% – 12.99% (deal-specific)
- Points: 2-4 points, paid upfront
- Term Lengths: 12 months standard (extensions available) and 30 year
- Repayment: Monthly interest-only with balloon payoff on exit for 1 year or fully amortizing 30 year
How the Application Process Works
Forget bank backlogs. Our process is designed for speed, simplicity, and investor control.
- Submit your deal via our online form or speak with a lending specialist
- Get conditional approval within hours
- Appraisal ordered and closing scheduled (title & docs required)
- Funding released — typically within 15-20 business days
Need help prepping your deal? We offer free consultation calls for first-time commercial borrowers.
Frequently Asked Questions
What is a commercial hard money loan?
A commercial hard money loan is asset-based financing secured by office, retail, mixed-use, or multifamily properties. Approval is based on property value and collateral, not personal income.
How fast can I close?
Most commercial loans close in 7–10 days, with approvals issued in as little as 30 minutes.
Do you lend nationwide?
Yes. We provide commercial hard money loans across the U.S., with local expertise in major metros and states.
Do you lend to LLCs?
Yes. All programs can be closed in LLCs or other business entities for liability protection.
Do you require appraisals?
Depending on deal and collateral, appraisal requirements vary. Clear scopes and comps can accelerate approvals.
What types of properties qualify?
We finance office, retail, mixed-use, and multifamily properties nationwide.
Do you work with first-time investors?
Yes. Whether you’re new to commercial real estate or experienced, we provide flexible financing options.
What are typical loan terms?
Short-term loans range from 6–12 months, while DSCR rental loans can go up to 30 years.