Loan Product
Hard Money and Private Money: Capital That Moves at the Speed of Your Deal.
Hard money is short term cash based on the property, not your tax returns. Banks look at your W2. My lenders look at the deal. If the numbers work, the lender funds it and I broker the placement. The institutional sweet spot on this desk is $10M and up. Smaller relationship files get done when they fit. Larger transactions stack across senior, mezzanine, and preferred equity. When you need to move fast and beat a cash buyer, this is the call.
When It's the Right Tool
- You need to close before the bank can say yes.
- Your tax returns do not tell the full story.
- The property needs work and will not qualify for traditional financing.
- You are competing with cash buyers and need to act like one.
- You have a clear exit (sale or refinance) inside 12 to 24 months.
- You need a bridge between an acquisition and a HUD, agency, or CMBS takeout.
What the Network Covers
- Commercial bridge and value add ($1M to $100M)
- Multifamily and mixed use bridge ($1M to $50M)
- Hospitality and resort bridge ($5M to $100M)
- Ground up commercial and large residential ($1M to $25M)
- Land acquisition and entitled lot bridge ($1M to $25M)
- Specialty asset bridge ($1M to $50M)
Loan Snapshot
- Loan Amounts
- $5M to $500M+ across the network
- Typical Sweet Spot
- $10M+
- LTV / LTC
- 65 to 80% program dependent
- Term
- 6 to 36 months, interest only
- Closing Time
- 5 to 30 days typical
- Property Types
- Commercial, multifamily, mixed use, hospitality, specialty, land
- Geography
- Nationwide, drawn from the 200 plus active capital source network
- Rates
- Rates depend on the deal. Submit your file or jump on a call and I will give you a real number.
Rates depend on the deal. Submit your file or jump on a call and I'll get you a real number.
Why a Network Beats a Single Lender
Different deals need different lenders. A small balance file, a mid market bridge, a large opportunistic transaction, and a specialty asset are four different conversations and they need four different desks. I match the deal to the right capital partner inside the 200 plus source network rather than forcing every file into the same box.
Frequently Asked Questions
What is a commercial hard money loan?
A commercial hard money loan is short term, asset based financing on commercial real estate. The lender underwrites the property value and exit strategy rather than personal income or tax returns. Typical terms run 6 to 36 months, interest only, with closings in 5 to 30 days. Used for acquisitions that need speed, value add plays, and bridges to permanent debt.
How fast can a hard money loan close?
Standard institutional hard money on a clean file closes in 10 to 21 days. The fastest closings on the network have funded in 5 to 7 days when title and appraisal can be expedited. Speed depends on property type, environmental, and how quickly the borrower returns docs.
What loan to value (LTV) do hard money lenders offer?
LTV is program and asset specific. On stabilized commercial collateral expect 65 to 75 percent of as is value. On value add or transitional assets the lenders quote loan to cost (LTC) instead, often 70 to 80 percent of cost including renovation. The right number depends on sponsor, market, and exit.
Are hard money loans non recourse?
Most institutional bridge and hard money loans on $5M+ deals are non recourse with standard bad boy carve outs (fraud, environmental, bankruptcy, unauthorized transfer). Smaller balance hard money under $2M often requires a personal guaranty. We quote both structures so you can choose.
What is the minimum hard money loan amount?
The institutional sweet spot on this desk is $10M and up where the best non recourse pricing lives. The network funds down to $1M for relationship files and up to $100M+ on large transactions stacked across senior, mezzanine, and preferred equity.
Ready when you are.
Send me your file or pick up the phone. I answer 7 days a week.