Our Loan Programs

  • 100% of all Real Estate accepted
  • No upfront costs or contracts
  • Asset-based lending criteria
  • Loan amounts from $30k

Explore Our Loan Programs - HM Capital

HM Capital can help you achieve your real estate dreams – we provide a variety of programs that can fit any investment strategy.  If you are an experienced real estate professional or a first timer, you can benefit from our experience and excellent service.  

  • Rates from 8%
  • Loan amounts from $30,000
  • Up to 80% LTV for qualified properties
  • No upfront contracts
  • Qualify in 24 hours

Traditional loans can take several months to close. We can do it in less than a week

Flexible loan terms, no prepayment, asset based lending criteria

Funding available for fix and flips – purchase price plus renovation costs

Types of Real Estate Accepted

We can also help in with other types of real estate:

Streamlined Process

No arbitrary requirements.  No minimum FICO/credit score.  

Flexible Unerwriting

Vacant property? Cannabis tenant? Airbnb income? Our underwriters get it

Gain access to a variety of commercial hard money loan that fit your needs

Advantages of Hard Money Loans

Flexibility – hard money lenders can work with any type of real estate, and operate completely differently than a bank.  With private lenders, you are dealing with business people first, who you can directly talk to – unlike a nameless bank committee who underwrites and reject loans.  Hard money loans are essentially peer-to-peer lending, allowing for more creativity and more capital solutions for investors.  Hard money lenders stepped in to fund Cannabis properties in California when no one was willing – because they understood the economic opportunity behind it.

Get Approved –  the most important part of a loan is closing – you don’t need false promises, credit letters, LOIs, and maybe’s.  If you lined up a property, you need to know that the capital to purchase and renovate is there for you when escrow closes.  Hard money lenders have a faster turn-around and get you the money you need in a matter of days

Speed – in asset based lending, the focus is on the property, not the burrower.  This means less paperwork to process and less hoops to jumps through – faster approvals.  Traditional mortgages can take months to close, hard money lenders can do it in days.

Fast Approval

Traditional loans can take several months to close. We can do it in less than a week

Terms that fit You

Flexible loan terms, no prepayment, asset based lending criteria

Up to 80% LTV

Funding available for fix and flips – purchase price plus renovation costs

Schedule an Appointment

Get in contact with our hard money specialists

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