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Hard Money Loans

Utilize the value of real estate, equipment, or inventory to free up capital for nearly any business need.

Hard Money Lending Overview

Hard Money loans are known for speed and flexibility. The primary requirement to qualify is a valuable collateral asset that can be leveraged to open up access to capital. Loans are based on the value of that asset or a mix of assets, not your business’s credit score.

There are no restrictions on where you choose to put the funds from a hard money loan. Hard money loans are often used to fund real estate purchases, but they can also go toward new equipment, shipment of materials, or incoming inventory. Bring in working capital to hire new staff, launch a project, or renovate your interior space.

Once you and your loan broker find the right hard money loan for your business, you can be approved in just a few days. That’s weeks or even months sooner than a traditional loan. Hard money loans are short-term financing, which means you’ll need to plan for repayment in three years or less, depending on the loan you choose. Talk with your broker to evaluate the opportunities and risks with refinancing into long-term funding at the end of the hard money loan term.

How to Effectively
Apply Funds

There’s more than one way to use a hard money loan to your advantage. Hard money loans give you the power to make a competitive cash offer on real estate property. Cash offers give you the edge over other potential buyers because it eliminates the risk of financial fall-through. It also decreases the time it takes to close on the property, which is great for the buyer and the seller.

Once you have the property, you can renovate and resell it for a profit, using part of that money to satisfy the loan. If you’re investing in income-generating property like a hotel or office building, the immediate income from your customers helps pay off the loan. You won’t be locked into a long-term mortgage on the property that eats away at your profits year after year.

Hard Money Lending Options

Real Estate

Get approved quickly and onboard your business’s new real estate fast. Why wait weeks or months for a traditional mortgage when you can fast-track your success? If you have existing assets you want to leverage, don’t wait, talk to your broker about finding the right hard money loan today.
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Equipment

When you need to replace or upgrade your equipment, use a hard money loan to get it done fast. Damaged and outdated equipment like computers, machine presses, and diagnostic tools can slow down or even stop your business in its tracks. Let your broker help you get up and running again with a hard money loan.
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Inventory

Existing and even incoming inventory can be used to secure a hard money loan. Retail, manufacturing, and wholesale businesses find these loans especially helpful when they want to get ahead of the busy season or need to satisfy large orders. Your broker can help you choose the right inventory loan today.
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F.A.Q’s

Q. When is a hard money loan not the right fit?
Hard money loans are short-term financing options. The trade-off for this speed is typically a higher interest rate. If you can afford to wait, a long-term loan may offer a better interest rate and give you more time to repay the loan.
Q. Can I afford a hard money loan?
Before you take out any type of loan, it’s important to review your finances to see if you can afford one. If you’re considering a loan, ask your broker to help you calculate your debt-to-income ratio and your debt-service coverage ratio.
Q. How long does it take to get a hard money loan?
Hard money loans are one of the fastest financing options out there. If you’ve submitted a complete application with the right documents, it can take as little as 24 hours to be approved. As your broker for more information.
Q. Can I get a hard money loan with bad credit?
Yes. Since hard money loans are based on your assets, not your credit, you can get a loan even if you have bad credit. Making regular payments on the loan can even serve to increase your credit score over time.

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