Commercial Hard Money Loans & Lenders – Fast, Flexible Financing for Real Estate Investors
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, rehabbing, or bridging 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
No income verification. No seasoning. Just real answers for real deals.
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.
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.
FAQ's - Commercial Hard Money Loans
FAQ’s – Commercial Hard Money Loans
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