Hard Money Loans

Hard money loans are one of the fastest ways to get the cash you need for your business.

Asset Based Lending

Access funds tied to fixed assets

Lending Overview

Make cash offers on real estate, buy equipment, and secure working capital with a hard money loan from our lenders. Even if you’re struggling with your business credit, a hard money loan can help. Your loan is based on the value of the asset you use to secure it, not your credit score.

You don’t need to have assets in place already to use a hard money loan because you can secure the loan on the asset you plan to purchase. If you want to buy a new warehouse for your business, a hard money loan will give you cash so you can make a competitive offer. This asset-based loan is short-term financing for whatever your business needs. To find out how you can utilize a hard money loan, ask our brokers today.

Ease rate pressures with leverage

Hard Money Loan Advantages

Fast approvals

Versitile financing

No long-term debt

Easy to qualify

How to Effectively Apply Funds

A hard money loan will give you a percentage of an asset’s value in cash. Because these loans typically come from private lenders, your loan application doesn’t have to satisfy the same criteria banks use. That makes it easier to get the cash you need quickly. You can use the cash to buy new assets or use an asset you already have to get cash for another business purpose. Business owners often use hard money loans to “fix and flip” properties. The hard money loan can be approved fast and repaid with earnings from the sale of the property. Ask us to show you the best hard money lenders.

Our Services

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CRE

When you’re looking to buy commercial real estate for your business, a hard money loan can help you get it fast. Finance offices, warehouses, and investment properties by getting a hard money loan from our network of lenders. We’ll help you get started with an application today.

Equipment

When equipment breaks down, it can stop revenue in its tracks. Get back up and running sooner with a hard money loan from our lenders. Use the value of the new equipment to secure the loan and lower your interest rate. Avoid early repayment penalties with this short-term financing solution.

Inventory

Prepare for your company’s busy season with a hard money loan to bring in new inventory. Or use your current inventory to secure a hard money loan for working capital. Ask us how a hard money loan can work for retail, distribution, and materials companies and more.

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F.A.Q’s

Q. Is a hard money loan risky?

A hard money loan is only risky if you don’t plan ahead. Since these are short-term loans, you must be prepared to pay them off at the end of your term, usually three years or less. Before you decide on a hard money loan, consult with a broker to make sure you’re in a good position to take on short-term debt.

Q. Can I get a hard money loan with bad credit?

Since hard money loans are asset-based, lenders pay more attention to the value of the property you’re using to secure the loan than they do to your credit score. This often makes hard money loans a good choice for borrowers with less than ideal credit. To find out if you qualify, contact a broker today.

Q. How do I pay off a hard money loan?

Most hard money loans only require interest payments during the life of the loan. The principal balance is due at the end of the term. Make sure you’re prepared to make a balloon payment or transition to another loan product. Ask your broker for guidance.

Q. When is a hard money loan not a good choice?

Hard money loans are fast, but normally come with higher interest rates than long-term loans. So, if you can afford to wait for financing, a commercial mortgage or SBA loan could be a better option. To compare all of your options, speak with our brokers.

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