Commercial Hard Money Loans
Nationwide Direct Capital
We offer two distinct commercial pathways tailored to your financial profile: a Pure Asset-Based 50% LTV Program driven solely by equity, and a Credit-Driven 70% LTV Program requiring a 650+ mid credit score.
Important Guidelines: These programs are strictly for turnkey commercial properties with a minimum of 70% occupancy and rent-ready status. No rehab financing, no construction, and no rural assets allowed. Commercial appraisals require a standard two-week turnaround, with average closing timelines of approximately 3 weeks.
Commercial Lending Programs – Side by Side
All commercial lending is strictly for turnkey, stabilized properties with 70%+ occupancy. These are not rehab or construction loans. Available only in urban and suburban markets nationwide.
Path 1: Pure Asset-Based Commercial Loan
Equity-driven commercial financing based entirely on property value and collateral strength.
- Max 50% LTV based on commercial appraisal
- No personal income verification or tax returns required
- Underwritten purely on asset value and collateral equity
- Best path for swift closings on equity-rich properties
Path 2: Credit-Driven Commercial Loan
Traditional commercial underwriting for stronger borrower profiles seeking maximum property leverage.
- Up to 70% Leverage on purchase or refinance transactions
- Requires a verified 650+ mid credit score profile
- Underwritten on combined credit history + property asset performance
- Best choice for expanding stabilized income-producing commercial portfolios
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 asset in a primary urban or suburban market, we deliver certain execution and flexible terms. Because commercial appraisals require a standard two-week turnaround, our underwriting pipeline secures your capital within a reliable 3-week closing timeline.
To align with our dual-path capital programs (50% LTV asset-based or 70% LTV credit-driven), properties must be entirely stabilized and rent-ready with 70%+ occupancy. We do not provide value-add rehab, construction draw lines, or repositioning loans on commercial properties.
Eligible Turnkey Asset Classes:
- Retail Storefronts & Shopping Centers: Strip malls, neighborhood retail plazas, and single-tenant net-lease properties.
- Warehouses: Stabilized warehouse facilities used for storage or commercial occupancy (no industrial logistics or distribution underwriting).
- Office Buildings & Office Condos: Stabilized professional office assets in established commercial districts.
- Self-Storage Facilities: Income-producing, stabilized storage assets with consistent occupancy.
What Is a Commercial Hard Money Loan?
A commercial hard money loan is a short-term financing solution designed for stabilized, income-producing commercial properties. Our programs are built specifically for turnkey assets with strong occupancy and predictable cash flow, not redevelopment or construction projects.
We offer two distinct underwriting paths: a Pure Asset-Based Program (up to 50% LTV) driven entirely by property equity, and a Credit-Driven Program (up to 70% LTV) for borrowers with a 650+ mid credit score.
Key Highlights:
- Turnkey Only: Minimum 70%+ occupancy required
- No Rehab / No Construction: Stabilized assets only
- Two Underwriting Paths: Asset-based or credit-driven
- Execution Timeline: Approximately 3-week closing cycle (including appraisal)
These loans are designed for investors acquiring or refinancing stabilized commercial properties in urban and suburban markets nationwide where speed, certainty, and execution matter.
Recent Commercial Closings
Real deals funded through our 50% asset-based and 70% credit-driven commercial lending programs, executed within a ~3-week closing cycle including appraisal.
Free-Standing Medical Office – Pittsburgh, PA
Appraised at $525,000. Borrower needed liquidity for marital settlement.
- Loan: 50% Asset-Based Commercial Loan
- Amount: ~$262,500
- Collateral: Stabilized medical office
- Close: 17 days
Office / Retail Asset – Newark, NJ
Appraised at $350,000. Existing liens + tax arrears resolved through refinance structure.
- Loan: Credit-Driven Commercial Loan
- Amount: $245,000
- Structure: Existing lender retained $70K second
- Close: 23 days
Frequently Asked Questions – Commercial Hard Money Loans
Direct nationwide commercial lending for stabilized office, retail, warehouse, self-storage, and mixed-use investment properties through both asset-based and credit-driven financing structures.
What is a commercial hard money loan?
A commercial hard money loan is a short-term real estate financing solution secured by an income-producing commercial property. Unlike traditional banks, commercial hard money lenders focus primarily on the underlying real estate asset, property occupancy, collateral quality, and overall transaction structure.
What types of commercial properties do you finance?
We finance stabilized commercial real estate including office buildings, office condos, retail storefronts, shopping centers, warehouses, self-storage facilities, and mixed-use properties located in urban and suburban markets nationwide.
Do you finance commercial rehab or construction projects?
No. Our commercial lending platform is strictly for turnkey, stabilized, rent-ready commercial properties with at least 70% occupancy. We do not provide construction loans, rehab financing, repositioning capital, or value-add commercial bridge lending.
What is the difference between your asset-based and credit-driven commercial programs?
Our asset-based commercial program provides up to 50% loan-to-value and focuses primarily on property equity and collateral strength. Our credit-driven commercial program provides up to 70% leverage for borrowers with a verified 650+ mid credit score and stronger overall financial profiles.
How long does it take to close a commercial hard money loan?
Commercial hard money loans generally close in approximately 3 weeks. Commercial appraisals typically require around 2 weeks to complete before final underwriting and closing documents can be issued.
Do you lend nationwide?
Yes. We provide commercial hard money lending nationwide across major urban and suburban commercial markets including New York, New Jersey, Pennsylvania, Florida, Texas, Illinois, Georgia, North Carolina, Ohio, and many additional states.