Find the Best Commercial hard money loans

  • Quick Approval and Funding
  • Local Commercial Hard Money loans
  • No Upfront Cost or Contracts
  • Amounts – starting from $75,000

Top Commercial Hard Money Lenders

What are Commercial Hard Money Loans?

Commercial hard money loans are a capital source offered by private lenders to investors who need financing fast. The criteria to qualify are more flexible compared to traditional financing with a higher carrying cost (interest rate) in return. The major advantages of commercial hard money loans are speed and flexibility. If you are looking to purchase your next investment property and need financing that focuses on the asset – private lending might be for you. Private Lending can also be used for investors with challenging credit, limited income, or those who are looking for creative financing terms when purchasing real estate. Asset-based lending allows private hard money commercial lenders to consider creative real estate investment not typically considered in traditional financing.

Our unique process can provide you with a unique advantage:

  • Zero costs upfront with no contracts
  • Qualify within 24 hours and approved in as fast as a few days
  • No pressure to sign
  • Any type of real estate accepted
  • We accept applications with bad credit history/bankruptcy

What type of real estate you can buy with commercial loans?

There are all types and kinds of commercial real estate. Traditional financing in commercial real estate requires extensive paperwork and financial underwriting. It is not unusual for a commercial loan to take 60 to 90 days in order to fund, since in addition to the underlying asset – the lender also underwrites you as well. In asset-based underwriting, we can provide you with financing in as fast as 10 days. We can assist with any type of real estate:

Common questions about commercial hard money loans

Here are the most frequent questions we get when it comes to hard money loans for commercial real estate:

Q: What can I do to increase my chances to qualify?

A: Make sure you have all of your paperwork ready – any underwriter will probably ask you questions about the property and about your experience as an investor.  This is the part that usually takes the most time, so be prepared ahead of time.

Q: Are the rates going to be really high?

A: Hard money rates are higher than traditional bank loans.  Since they are riskier, done faster, and require less underwriting, the rate is higher.  Typically hard money loans will be 4-5% higher than standard interest rates.

Q: Why should investors take a high-interest loans if banks give lower interest rates?

A: Banks take a long time to approve loans, and they often apply very rigid funding criteria to deals.  So if you have a special situation or circumstances, you may be out of luck.  Hard money loans are also perfect for buyers who want to close a deal quick, and can’t wait 45 days for a bank approval.  Hard money is not for everyone, but there are investors that are able to buy property not possible otherwise,  thanks to hard money loans. If you need to raise cash in less than 24 hours – you may want to visit our Lawsuit Loans page.

Q: Can I qualify if I have bad credit?

A: Yes.  Hard money loans for commercial real estate is focused on asset-based underwriting.  This means that your credit score is less important than the strength of the property you are buying.  Your experience is still important, and a good credit score helps a lot – but burrowers with bad credit qualify for hard money loans all the time.

How can I qualify for a commercial hard money loan?

The process is simple and straight forward to get a commercial hard money loan:

  • Find a lender that will take a look at your deal
  • Pre-qualify over the phone and provide basic deal details via an application
  • Provide paperwork to verify value and income of the commercial property
  • Finalize terms of the commercial loan and pay 3rd party costs.

What are the terms of a typical private commercial loan?

Commercial hard money loans vary from property to property and different burrowers. Every property is examined on a case by case basis by our experienced underwriters and real estate professionals. Loan terms that fit a single tenant restaurant off a busy freeway are going to be different than financing for an office building in the middle of downtown New York City. Generally speaking, a typical lender can expect the following terms:

Can I get a hard money loan with bad credit?

Yes. Individuals with bad credit can qualify for commercial hard money loans because we use asset-based underwriting to qualify our clients. Unlike traditional loans from banks – private lending focus on the property, not the burrower. Applicants with bad credit, rejected by traditional lenders, can use hard money loans to purchase commercial property if the deal is solid.


Private lenders charge higher fees and rates to compensate for the higher risk associated with lower credit score. They provide a second chance to investors who fallen on hard times in the past and want to continue to invest without paying thousands of dollars to special agencies to repair their credit scores. We accept applications with bad credit as well as:

  1. Bankruptcy
  2. Tax Liens
  3. Child Support Liens
  4. Divorces
  5. Prior Evictions
  6. Foreclosures

What are the costs of getting a commercial hard money loan?

Just like regular loans – private loans have costs as well. Here is a list of some, but all fees you’ll be expecting:


  1. Points/Origination – calculated as a percentage of the total loan amount.  For example – if you take out a loan for $100,000 on a shopping center from a private lender, 2 point fee will cost you $2,000.
  2. Appraisal/inspection – to confirm the value and condition of the property.
  3. Document fees – fees to prepare loan documents for you to sign.  Could be waived in certain cases or e-signature.

Working with HM Capital

Real estate professionals who come to us for financing need it fast – it is the hallmark of a hard money loan.  Our teams of experienced real estate professionals will guide you every step of the way – from intake to funding and be there for you with any concern you might have.  Our 2 core values – integrity and results.

We have a strict no upfront contract, no upfront fee policy for our services.  Our system is 100% client focused – from the moment you call us to the moment the funds are deposited in your account, we are only focused in providing you the best capital solutions on the market.  Unlike other companies, we don’t mind if you shop around or get a second opinion – because we believe that if we can’t get you a loan, you don’t owe use anything.

Our core values: Integrity and Results.  “If we can’t get you a loan you don’t owe us anything.”

What paperwork do I need to prepare to qualify?

Choose Your State

AL | AK | AZ | AR | CA | CO | CT | DE | FL | GA | HI | ID | IL | IN | IA | KS | KY | LA | ME | MD | MA | MI | MN | MS | MO | MT | NE | NV | NH | NJ | NM | NY | NC | ND | OH | OK | OR | PA | RI | SC | SD | TN | TX | UT | VA | WA | WV | WI | WY

Lets Gets Started