💎 Business-Purpose Financing

Hard Money Loans

Fast, Asset-Based Financing Up to $100 Million

Investor and commercial real estate loans for non-owner-occupied properties. Close in 7-14 days with minimal documentation.

Up to $100M

Loan Amounts Available

7-14 Days

Fast Closing Time

Asset-Based

Flexible Approval

Why Choose Hard Money Loans?

Lightning-Fast Approval

Get approved in 48 hours or less based on property value

Non-Owner-Occupied Only

Investor and commercial real estate properties exclusively

Flexible Guidelines

No income verification, credit-challenged borrowers welcome

Large Loan Amounts

Finance projects from $100K to $100M

Quick Closings

Close your deal in 7-14 days, not months

Bridge & Fix-Flip

Perfect for short-term investment strategies

Loan Details

Loan Terms
Loan Amount:$100K - $100M
Interest Rates:Starting at 8%
Loan Term:6-24 Months
LTV Ratio:Up to 75% LTV
Closing Time:7-14 Days
Ideal For
Fix-and-Flip Projects
Bridge Financing
Land Development
Commercial Property Acquisitions
Investment Property Purchases
Cash-Out Refinancing
Construction Projects
Time-Sensitive Transactions

Our Simple Process

1

Submit Application

Property details & purchase contract

2

Quick Valuation

Property appraisal in 48 hours

3

Approval

Asset-based loan approval

4

Due Diligence

Title work & documentation

5

Fund & Close

Receive funds in 7-14 days

Frequently Asked Questions

What is a hard money loan?

A hard money loan is a business-purpose, asset-based loan funded by licensed private lenders. Approval is based primarily on the property value rather than the borrower's credit or income. These loans are for non-owner-occupied properties only.

How quickly can I close?

Hard money loans can close in as little as 7-14 days, making them ideal for time-sensitive investment opportunities or competitive real estate markets.

What types of properties qualify?

We finance non-owner-occupied investment properties including fix-and-flip projects, rental properties, commercial buildings, land, and multi-family properties. Owner-occupied homes do not qualify.

Do I need perfect credit?

No. Hard money loans are asset-based, so your credit score is less important than the property value and your exit strategy. We work with credit-challenged borrowers.

What are the interest rates?

Hard money loan rates typically start around 8-12% and vary based on loan amount, property type, LTV ratio, and loan term. Rates are higher than conventional loans due to the speed and flexibility.

Is this subject to state lending laws?

Yes, all hard money loans are subject to state lending laws and regulations. We work with licensed private lenders who comply with all applicable laws.

Get Pre-Approved Today

Fast funding for your next investment property

Loans funded by licensed private lenders. Subject to state lending laws. Non-owner-occupied properties only.

Ready to Fund Your Investment Project?

Get approved in 48 hours. Close in 7-14 days.

support@pacificrate.com | Pacific Rate - NMLS #329956

Homayoun (Tony) Kiani, NMLS #329956 | Pacific Rate

Empowered by NEXA Lending - A Division of NEXA Mortgage, LLC | NMLS #1660690

🏠 Equal Housing Lender | Licensed Mortgage Loan Originator

🏠 Pacific Home Appraiser

3-5 day turnaround • USPAP Certified

📞 (818) 880-1466Get a Free Quote →
base44
Edit with Base44