Commercial Hard Money Loans & Lenders – Fast, Flexible Financing for Real Estate Investors

What Is a Commercial Hard Money Loan?

A commercial hard money loan is an asset-based funding solution designed for real estate investors and developers who need fast capital for non-owner-occupied properties. Unlike traditional banks, hard money lenders focus on the property’s value and potential, not your credit score.

 Key Highlights:

• Speed: Most deals fund in 14-20 days
• Flexibility: Short-term financing built around your exit strategy
• Accessibility: Qualify with limited documentation and no bank interference

Whether you’re looking to acquire, rehab, 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.

Non-Stabilized Property? No Problem.

We understand the realities of real estate investing. Vacant storefronts, partial lease-ups, or distressed industrial sites—bring us the value-add vision, and we’ll bring the capital.

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. 

Pennsylvania

Private funding for 5+ unit, Mixed Use, Strip malls, Sober living and retail deals across Philadelphia, Pittsburgh, and beyond.

Florida

Bridge loans and cash-out refis for value-adds in Miami, Tampa, and Orlando.

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.