The property is in process of being leased and vacancy rate is too high.
Commercial Hard Money Loans
Get real estate-secured, equity-based funding to help you close on your investment property
We provide flexible hard money loans for commercial (or residential) investment, helping you secure opportunities quickly and without the red tape.
The borrower's dilemma: When traditional funding isn't an option
We’ve found that our clients turn to us for hard money loans and other financing options for a number of common reasons, including those listed below.
Why choose Hopkins Financial for your commercial hard money loan?
If you’re purchasing or refinancing a commercial or residential investment property and don’t qualify for traditional bank financing, we may be able to help. These loans—often referred to as “hard money” or “asset-based” financing solutions—are based on property value rather than borrower credit alone.
As a leading private lender, Hopkins Financial will consider loans on all types of commercial properties, including office, retail, industrial buildings, or land. We will even consider properties such as mobile home parks and RV parks. We also consider loans secured by residential investment properties or rental properties. These commercial or non-owner-occupied residential loans are available nationwide, subject to no requirement for licensing in your specific State.
Why a hard money loan is your competitive advantage
A hard money loan is not a replacement for long-term financing, but it can be a helpful tool within a short period of time. Hard money, while more expensive, still provides significant benefit in allowing you to secure your purchase or financing when conventional lenders would simply take too long, possibly causing you to miss the opportunity. This alternative financing option allows for a competitive advantage due to its speed and flexibility. Their benefits include:
Your unique problem is our everyday business
As experienced investment property hard money lenders, we thrive on the deals that others reject. Whether you’re dealing with a difficult situation or an unconventional property type, our specialty is seeing the potential and providing the necessary money loans.
Situations we fund
Property types we fund
Get your application approved in as little as 7 days
We’ve streamlined our process to guarantee you get your funds quickly and efficiently. It’s designed to be transparent, with minimal paperwork and no hidden fees. We focus on the loan amount you need to get the deal done versus the property’s value. Just follow these steps:
General loan terms and details
This section provides a clear overview of our typical loan terms and details. We offer flexible financing options on both commercial and non-owner-occupied residential investment properties nationwide.
From our blog: Strategies for savvy hard money borrowers
Our blog offers valuable insights and strategies on using commercial hard money loans and other financing options to maximize your investments.
Grateful for Hard Money: Why We’re Thankful for Our Clients This Thanksgiving
As Thanksgiving approaches, all of us at Hopkins Financial Services are reflecting on what we’re most grateful for—the clients who trust us…Read more
How Much Money Do I Need to Buy a House?
Understanding the Real Costs — and How Hopkins Financial Can Help When Banks Can’t Buying a home is one of…Read more
Frequently asked questions
What are commercial hard money loans?
Commercial hard money loans are asset-based loans in which the borrower’s commercial real estate serves as the primary collateral. Unlike traditional commercial loans, these loans focus on the property’s value rather than the borrower’s credit history, making them a flexible financing option for investors.
What property types are eligible for a commercial or residential investment property hard money loan?
Our commercial or residential investment property hard money loans can be used for a wide range of commercial and non-owner-occupied residential investment properties. This includes office, retail, industrial, and multifamily buildings, as well as mobile home parks, RV parks, and raw land.
How do commercial hard money loans differ from traditional bank loans?
Traditional bank loans rely heavily on credit scores, income verification, and lengthy underwriting processes. In contrast, commercial hard money loans prioritize the value of the commercial real estate and offer faster approvals with less documentation. The trade-off for making these loans when banks can’t is they do come with higher interest rates and fees.
Are there upfront fees associated with such loans?
Yes, commercial hard money lenders may charge some upfront fees. These fees vary depending on the lender and loan complexity, but are generally higher than those of conventional loans due to the increased risk and short-term nature of hard money loans.
Can commercial hard money loans be used as a bridge to permanent financing?
Absolutely. Many borrowers use commercial hard money loans as bridge loans to quickly secure properties while arranging for long-term financing. This strategy helps maintain cash flow and take advantage of time-sensitive investment opportunities.
Take the first step to secure your investment property
Don’t let the slow pace of traditional financing hold you back. Take action and partner with a trusted private hard money lender who understands the speed and flexibility required in today’s market.