The fastest commercial real estate financing available. Asset-based lending with no income verification — qualified on property value, not personal financials. Close in 5–7 business days.
Hard money loans are asset-based financing where approval and loan amount are determined primarily by the property's value — not the borrower's creditworthiness or income. This makes hard money the fastest path to commercial financing for investors who need to move immediately.
Hard money is typically more expensive than bridge or conventional financing, but the tradeoff is speed and flexibility. When a deal requires a 7-day close and no bank can deliver, hard money is often the only viable option.
Best Use Cases
Acquire distressed commercial properties, renovate, and sell. Hard money funds the purchase and can include renovation cost holdbacks.
Facing foreclosure in days or weeks? Hard money can close fast enough to pay off delinquent debt and preserve ownership.
Banks rarely lend on raw land. Hard money fills the gap for developers who need to move quickly to secure sites before permits are in place.
Courthouse step purchases, tax lien foreclosures, and REO auctions typically require all-cash or very fast closes that only hard money can match.
Past credit events don't disqualify you. Hard money evaluates the property, the exit strategy, and the equity — not credit history alone.
Use hard money to close quickly, then refinance into a longer-term bridge or DSCR loan once the property is stabilized.
When time is the deal, hard money is the answer. Submit a quote and we respond same day.