---
title: Private Money Commercial Loans
description: commercial loans, hard money, private money, bridge loans, commercial real estate, bad credit, small balance commercial, real estate loans, rehab loans
---

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## Commercial Bridge Loans

Typical candidates are borrowers with equity in real property that exceeds the loan value or substantial down payment but who cannot qualify because of poor credit, high debt-to-income ratios or inability to traditionally document income. Clients often seek hard money loans when they need cash quickly, and cannot wait or do not qualify for a typical bank loan.

 **Eligible Properties**

:: Retail Strip Centers  
:: Residential Investment - REO Flips and Rentals  
:: Luxury Residential (investment purpose)  
:: Multi-Family   
:: Condos (investment purpose)  
:: Light Industrial  
:: Mixed Use  
:: Office  
:: RV / Mobile Home Park  
:: Special Purpose

**Lending Parameters**

:: **Financing Types:** First trust deeds, structured finance, acquisitions  
:: **Loan Purpose:** Business or Investment purpose loans only (no consumer purpose loans)  
:: **Location:** Metro areas nationwide (CA, AZ, FL, OR, TX preferred)  
:: **Rates:** Starting at 9.99%  
:: **Fees:** 1 to 2 Points  
:: **Loan to Value:** 55%, and up to 65% with exceptions  
:: **Amortization:** Fixed and Interest Only  
:: **Income Doc:** Stated and Alt Doc Programs  
:: **Loan Term:** 6 months to 5 years+  
:: **Loan Amounts:** $300,000 to $10 million +

 **Product Niches**

:: Low Occupancy, Stabilization  
:: CMBS Workouts, Balloon Payments  
:: Credit Challenges, BK, Foreclosure Bailouts  
:: Discounted Payoffs  
:: 1031 Exchanges, Bridge Financing  
:: Bank Turndowns  
:: Quick Closings  
:: REO Acquisitions  
:: Bank Dispositions  
:: Partner Buyouts  
:: Performing and Non-Performing Note Purchases

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