New Jersey hard money loans

  • Quick Approval and Funding
  • Local New Jersey Hard Money Lenders
  • No Upfront Cost or Contracts
  • No Credit Checks

New Jersey Hard Money Loans

We believe private financing will change the lending world just like Uber changed transportation.  During the 2009 financial crisis we learned that most of the fears associated with private financing  (predatory rates, high fees, speculation) were regular practice for the major financial banks.  The sharing economy is proof that the most efficient way to conduct business is peer-to-peer where both parties can dictate the terms that are comfortable for their needs.  The advantages of traditional mortgages are clear – lower rates from institutions that are highly regulated by the government.  However, many shrewd investors realized that speed of approval is just as important as low rates.  This is where private hard money loans come into the picture – with a turnaround of days, not weeks – you can secure financing on a deal that requires a fast close and beat other investors with a better offer.


Multifamily hard money loans in NJ

Investors looking to purchase multifamily properties in New Jersey who are looking to close fast or with credit issues can secure capital with private hard money loans. Considered by many as the safest real estate investment, apartment buildings in New Jersey enjoy low vacancy rates and good cap rates.  We can provide funding for any investment strategy:

  • Refinance
  • Cash out
  • Renovate and Flip
  • Condo conversion
  • Vacation rentals

New Jersey Commercial Hard Money Loans​

We provide commercial investors with capital solutions for any type of commercial properties.  Commercial hard money loans can be used for the following purposes:

  • Purchase with a quick all-cash close
  • Refinance an existing loan
  • Cash out (first or second position)
  • Construction loan
  •  You have bad credit, judgements, bankruptcy on your record
  •  You are purchasing a non-traditional asset and need a creative solution to a capital problem
Commercial hard money loans in New Jersey can provide a creative solution to any of the above challenges.  Asset-based lending removes the borrower from the equation and simplifies and otherwise long lending process. We fund any type of commercial real estate:

New Jersey Facts

Health Services and Life Sciences

Human services is the largest sector in the state, almost 14%. 14 of the largest biopharma companies are in New Jersey

Real Estate Market

New Jersey is a mature real estate market, with stable and steadily rising housing market and strong demographics

Education System

New Jersey is rated #2 in education in the US - producing excellent workforce ready for the 21th century

New Jersey Mobile Home Park Hard Money Loans

Unlike other lending sources, we highly specialize in mobile home parks thanks to our years of experience and depth of knowledge in the field.  Mobile home parks and manufactured housing are a unique form of real estate, very different than other residential investments.  In fact, every state has a unique set of laws just for mobile home park owners and residents.  

With almost every coastal state with a housing crisis, and a fast growing demand for construction goods – we believe manufactured homes are the solution to many of this housing challenges.  Mobile home park investors in New Jersey can contact us for any of the following purposes:

  1. Mobile home park purchase
  2. Neighborhood development
  3. Senior mobile home park (55 and over)
  4. Tiny homes

New Jersey Fix and Flip Loans

Fix and flip project have two important elements: they wrap up quickly and require capital.  This is why real estate professionals in New Jersey who seek a fix and flip hard money loan come to us for possible solutions.  Private lending is the perfect match for flippers with fast approvals and asset-based lending terms.  

Whether it’s a house or duplex – sometimes you can’t wait to sell your current flip to purchase the next fixer-upper.  This is where we can come in and provide a ‘bridge loan’ to make sure you don’t miss your next project due to capital challenges.  

New Jersey Hard Money Laws and Regulations

  • Hard money loans in New Jersey of over $50,000 are not subject to rate restrictions (loan cannot be secured by a ‘dwelling’) (New Jersey Statutes, Title 31, Chapter 1)
  • Unsecured loans in NJ are capped at 16%. Real estate loans secured by a deed of trust for commercial properties. There is no usury cap on LLCs and corporations – so be ready to apply as an LLC or company if the property is located in NJ. N.J.S.A. 31:1-1(e)(1).