Private Loans
Fast private capital against luxury residential, commercial and apartment collateral when certainty of close matters more than rate.
View Terms →Hard Money / Bridge
Hard Money & Bridge Financing — Commercial
A short-term loan built around the deal, for investors, builders and new owners.
It is our goal with every hard money loan we originate to create a win-win for both the borrower and the lender. We customize terms to fit both sides, and we work through the residential and commercial hard money requirements that make a file difficult to place elsewhere.
We fund up to 90% of loan-to-construction-cost for investors, builders and new owners. Our primary underwriting factors are property equity and the borrower's capacity to make payments; we favor commercial properties in high-population cities, but every application is reviewed individually.
RetailOfficeIndustrialMixed-UseOwner-User
Indicative TermsCommercial
LTC, up to90%
StructureShort-Term Bridge
UnderwritingEquity + Capacity
ReviewCase-by-Case
Short-term commercial bridge and hard money up to 90% of loan-to-cost, underwritten on equity and capacity rather than a scorecard.
Rates and terms shown are indicative, subject to change without notice, and subject to underwriting approval. This is not a commitment to lend.
*Subject to terms and conditions, a complete file, underwriting approval, title review and property valuation.
Why This Program
How we underwrite it.
Terms built for both sides
We structure to a win-win rather than a template, because a loan that only works for the lender does not close.
High-population markets favored
We prefer commercial collateral in dense metros, but every application is read on its own facts.
Files other desks pass on
Complex ownership, partial entitlement, a tight timeline — bring it and we'll tell you honestly.
Loan Programs
Other programs.
Construction
Ground-up and rehab capital to $75 million that converts to a permanent loan at conventional rates when the build completes.
View Terms →Apartments
Bridge and value-add financing underwritten on in-place and projected NOI, occupancy and unit mix — not collateral alone.
View Terms →Learn More
Related Reading
Guides on commercial bridge and hard money financing for retail, office, industrial and mixed-use property.
Commercial Bridge Loans for Retail, Office and Industrial Property
How commercial bridge and hard money loans work for retail, office and industrial buildings: equity-led underwriting, common uses, and planning the exit.
Read →Owner-User Commercial Bridge Financing: Buying Your Own Building
How owner-occupied buyers can use a commercial bridge loan to close fast, what lenders weigh for owner-user deals, and how to plan the takeout financing.
Read →Mixed-Use Property Financing in California
How lenders underwrite mixed-use buildings with apartments above retail, why banks hesitate, and when a private bridge loan fits a California mixed-use deal.
Read →Send us the file.
We read it the same day. Approval in as little as 24 hours, subject to a complete file and underwriting.