An expansive industrial warehouse with clear structural bays

Hard Money Loans / Asset-based financing

See the value beyond the usual criteria.

Property-backed financing for investors and businesses pursuing acquisitions, renovations, and time-sensitive real estate opportunities.

Discuss Your Transaction
Hard Money Loans

Property-backed capital

Nationwide perspective

Explore the structure
Modern commercial buildings with reflective glass facades
REAL ESTATE PERSPECTIVES / REPRESENTATIVE PHOTOGRAPHY

THE FINANCING PERSPECTIVE

A financing conversation grounded in the real estate.

Hard money financing focuses the conversation on property collateral and the purpose of the capital. It can be relevant when a transaction is time-sensitive, a property needs improvements, or an asset does not fit a conventional financing process.

The property remains central, but a useful review also considers the borrower’s plan. Explain the condition of the asset, what will change during the financing term, and how the obligation is expected to be repaid.

Tell Us About the Property

WHERE THE STRUCTURE FITS

Start with the purpose.
Build the context.

The same program can serve different opportunities. The purpose helps shape the conversation.

Time-sensitive acquisition

Describe the purchase, timing, collateral, and funding requirement for a property opportunity with a defined closing window.

Property improvement

Connect the requested financing to the work needed to reposition the asset and to the intended sale or refinance.

Equity-based opportunity

Explore how an existing property’s value and obligations fit a new business or real estate objective.

An expansive industrial warehouse with clear structural bays
REAL ESTATE PERSPECTIVES / REPRESENTATIVE PHOTOGRAPHY

THE DETAILS THAT MATTER

Look at the asset. Understand the opportunity.

Two buildings with similar values can have very different financing needs. An acquisition, renovation, and refinance each place different demands on the structure. The intended use of funds should be specific from the first conversation.

Bring the purchase terms or current debt picture, supporting property information, and the planned exit. This gives the review a clearer view of the transaction beyond its requested loan amount.

A USEFUL STARTING POINT

Bring the asset
into focus.

A practical overview of the property and your plan is more useful than a financing request in isolation.

Relevant property categories

Industrial & warehousesMultifamilyCommercial real estateInvestment residential

Before the conversation

  • Property value and collateral are central to the review.
  • Prepare your project plan and supporting property information.
  • Consider the term, costs, and repayment strategy together.

Financing amount, term, costs, documentation, and timing depend on the transaction and underwriting. Share the requested capital, estimated property value, state, and financing purpose to begin.

A SELECTED FUNDED TRANSACTION

$7.5M

Industrial acquisition / Denver, Colorado

A $7.5 million hard money loan for the purchase of a 50,000+ square foot industrial commercial warehouse in Denver, Colorado.

Explore the Transaction

THE PATH FORWARD

From a clear brief
to a considered structure.

Explore the Process

Submit the opportunity

Share the property, capital requirement, and purpose of the financing.

Review the deal

We consider the asset, your business plan, and the path to repayment.

Structure the financing

Discuss a structure that brings the amount, term, and transaction together.

Move toward closing

Complete underwriting, documentation, and the closing requirements.

Questions,
considered.

Does an asset-based approach eliminate underwriting?

No. The property, collateral, purpose, borrower circumstances, and repayment plan remain part of the transaction review. An inquiry is a starting point for that review, rather than an approval.

What can hard money loans be used for?

Close a time-sensitive acquisition. Finance a property requiring improvements. Access equity for an investment opportunity. Share the purpose of your transaction so the financing can be considered alongside your plan.

What information should I prepare?

Property value and collateral are central to the review. Prepare your project plan and supporting property information. Consider the term, costs, and repayment strategy together. Start with the loan amount, estimated property value, property type, and state.

Are the terms the same for every property?

No. The asset, borrower profile, collateral, purpose, and repayment plan inform the review. An inquiry does not constitute financing approval.

Can I discuss other financing structures?

Yes. Explore our other programs or describe your transaction in the financing intake. The purpose and property help guide the discussion.

Architectural detail of commercial real estate

YOUR NEXT OPPORTUNITY

Have a transaction
worth discussing?

Tell us about the opportunity.
We’ll take a closer look.

Request Financing