Commercial Hard Money Loans — Private Money Lending for Commercial Real Estate
Commercial hard money loans are short-term private money loans secured by commercial real estate — including multifamily apartment buildings, office buildings, retail centers, industrial properties, mixed-use developments, and raw or entitled land. As a commercial private money lender, we provide fast-closing bridge financing for acquisitions, repositioning, and urgent capital needs that conventional commercial lenders can't accommodate.
What Are Commercial Hard Money Loans?
Commercial hard money loans are asset-based, short-term loans funded by private capital rather than traditional bank underwriting. Approval is based primarily on the commercial property's value, income potential, and the borrower's equity and exit strategy — rather than intensive personal income verification or institutional-style credit analysis.
These loans are ideal for investors and developers who need to move quickly, who own properties that are in transition or underperforming, or whose financial profile doesn't fit the rigid requirements of conventional commercial lenders.
Commercial Property Types We Finance
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Multifamily / Apartment Buildings (5+ units)
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Office Buildings — small to mid-size commercial office
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Retail Centers — strip malls, standalone retail, anchored and unanchored centers
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Industrial Properties — warehouses, flex industrial, light manufacturing
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Mixed-Use Properties — retail/residential, office/residential combinations
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Special Purpose / Special Use Properties (case-by-case)
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Raw Land — undeveloped land for investment or future development
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Entitled Land — land with approved entitlements, permits, or development rights
Commercial Hard Money Loan Terms & Rates
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Interest Rates: Varies by property type — contact us for current commercial pricing
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Bridge/Short-Term: Typically 7.99%–13.99%
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Loan Terms: 6–24 months (extensions available)
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LTV: Up to 65–70% of commercial as-is value
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Land Loans: Typically up to 50% LTV on appraised land value
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Payment: Interest-only
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Points: 2–4 origination points typical for commercial
Land Loans — Raw Land and Entitled Land Financing
Land loans are among the most challenging products to place with conventional lenders — which is why private money land loans are often the best solution. We provide hard money loans on raw land and entitled land for investors who need capital quickly and can't wait for bank underwriting.
Land loan LTV is typically lower than improved property loans due to the illiquid nature of raw land. Entitled land with approved permits or development rights commands better LTV than raw, unentitled parcels.
Commercial Hard Money FAQ
How is commercial hard money underwriting different from residential?
Commercial hard money underwriting analyzes the property's income-producing potential (actual or projected), cap rate, local market, property condition, and the investor's exit strategy. It is still asset-based and faster than conventional commercial lending, but takes a more detailed view of income and value than residential hard money.
Can you fund owner-occupied commercial properties?
Our commercial hard money programs are generally focused on investment properties. Owner-occupied commercial financing is evaluated case-by-case. Contact our team to discuss your specific situation.