Hard Money Financing

Commercial Hard Money Loans

Hard money loans provide asset-based, short-term financing for commercial real estate acquisitions, repositionings, and distressed property purchases where speed and flexibility matter more than rate. Commercial Lending Solutions works with a vetted network of private hard money lenders who can close in as little as one to two weeks, with underwriting driven by property value rather than borrower financials.

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Key Features

Hard Money Loans at a Glance

Loan Amount

$1M - $20M

Term

6 - 24 Months

Rates

9.00% - 14.00%

Ltv

Up to 70% LTV (75% ARV)

Close Time

1 to 2 Weeks

Recourse

Recourse Typical

Overview

Fast Hard Money Loans for Commercial Real Estate

Hard money lending is the fastest capital available in commercial real estate. Unlike bank or agency financing, hard money lenders focus almost entirely on the asset: the current value, the after-repair value (ARV), and the exit strategy. Borrower credit and income documentation requirements are minimal by design. This makes hard money ideal for auction purchases, foreclosure acquisitions, time-sensitive off-market deals, and properties that need work before qualifying for conventional financing. The tradeoff is higher rates and fees relative to institutional capital, which is why hard money is almost always used as a bridge to a permanent loan or sale. Commercial Lending Solutions matches each deal with the right private lender based on asset type, market, loan size, and timeline to ensure competitive terms even in this space.

Lender Sources

Private Hard Money Lenders
Family Offices
High-Net-Worth Individual Lenders
Specialty Debt Funds
Asset-Based Lending Platforms

Ideal For

Auction and foreclosure property acquisitions
Distressed assets requiring rehab before permanent financing
Time-sensitive off-market acquisitions
Properties that do not yet qualify for bank or agency financing
Fix-and-flip commercial and mixed-use projects
Bridge to construction or permanent loan on value-add assets

Hard Money Loans by City

Hilton Head Island, SC

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Hard Money Loans are available for all major commercial property types. Explore financing by property category.

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FAQ

Hard Money Loans FAQ

A hard money loan is asset-based short-term financing secured by the commercial property itself rather than the borrower's creditworthiness. Hard money lenders focus primarily on the property's value and the deal's equity position, allowing faster approvals and more flexible underwriting than traditional banks. Hard money loans are commonly used for fix-and-flip projects, bridge financing, distressed asset acquisitions, and time-sensitive deals requiring speed that institutional lenders cannot provide.

Hard money loan rates for commercial real estate currently range from 9.00% to 13.00%, depending on the lender, leverage level, property type, and loan-to-value ratio. Rates are higher than conventional financing to compensate for the speed, flexibility, and higher risk profile. Interest is typically paid monthly on the outstanding balance with no amortization.

Hard money loans can close in as little as 5 to 15 business days, compared to 45 to 90 days for conventional bank financing. Some hard money lenders can approve and close in under a week for strong deals with complete documentation ready. This speed is the primary competitive advantage of hard money and is worth the premium rate for time-sensitive acquisitions, auctions, and distressed purchases.

Hard money and bridge loans are both short-term financing tools, but hard money lenders are typically private individuals or small funds with highly flexible underwriting and the fastest closings. Bridge loans come from institutional debt funds and select banks, with more structured underwriting, slightly lower rates, and larger loan sizes. For deals under $5M needing the fastest possible close, hard money is often the right tool. For larger or more complex transitional deals, institutional bridge lenders are usually a better fit.

Hard money lenders typically offer 60 to 75 percent LTV on as-is property value. For fix-and-flip projects, lenders may base the loan on after-repair value (ARV), providing up to 65 to 70 percent of ARV. Lower leverage (50 to 60 percent LTV) is available at lower interest rates, while higher leverage may require additional collateral from other properties in the portfolio.

Hard money lenders place far less emphasis on credit scores than conventional lenders. While most prefer a minimum 600 to 620 credit score, the primary underwriting focus is on the property value, the equity position, and the feasibility of the exit strategy. Borrowers with credit challenges, prior foreclosures, or complex financial situations can often access hard money financing when conventional lenders decline.

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Contact Commercial Lending Solutions for a free, no-obligation quote on hard money loans. We respond within 24 hours.

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Call: 310.708.0690 Text: 310.758.3064

Commercial Hard Money Loans

Hard Money Loans at a Glance

Fast Hard Money Loans for Commercial Real Estate

Lender Sources

Ideal For

Hard Money Loans by City

Related Property Types

Related Insights

Hard Money Loans in Bridgeport: What Borrowers Need to Know

Hard Money Loans in Stamford: What Borrowers Need to Know

Hard Money Loans in Newark: What Borrowers Need to Know

Hard Money Loans FAQ

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