💎 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
Our Simple Process
Submit Application
Property details & purchase contract
Quick Valuation
Property appraisal in 48 hours
Approval
Asset-based loan approval
Due Diligence
Title work & documentation
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
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