Hard money and bridge loans, structured for speed
Whether you need capital fast to acquire a property, or you are waiting for one piece of commercial real estate to sell so you can buy another, Commercial Mortgage Connection can put the pieces together to complete your loan scenario. Our hard money and bridge loans are built for exactly those moments, when a good deal will not wait for a traditional bank timeline.
Hard money loans for the real estate capital you need
You may find a deal on a property and need capital fast to acquire it. Accumulating top-notch properties is not easy without the right financing, and waiting on a traditional bank loan can mean losing a lucrative deal.
Instead of missing out, let Commercial Mortgage Connection provide the hard money lending to make your purchase quickly. Hard money lending can be used for refinancing, bank turndowns, non-recourse structures and quick closings. The underwriting on these loans is simple, which means you do not have to worry about hidden fees. Our goal is to supply the money you need quickly, on terms that fit the deal.
Hard money program highlights
- Private sources of capital — access to lenders most borrowers never see
- Loan amounts from $250K to $100MM
- Loan-to-value ratios as high as 75%
- Repayment terms from 1 to 3 years
- Fast closings — often 2 to 3 weeks
Bridge loans to fill the financial gap
In this industry, time is a definite factor when trying to obtain quality properties. You may find yourself waiting for a property to sell in order to purchase a new investment property.
Usually there is a very small window of opportunity on a piece of commercial property. Bridge lending can provide funding to buy new properties without waiting for a sale to go through, and Commercial Mortgage Connection can help you get the bridge financing you need.
With most traditional banking institutions, the interest rates on these loans will be through the roof. Commercial Mortgage Connection uses an extensive network of private financial investors when searching for the right bridge lending for a client. The bridge loans we secure allow you to structure a repayment plan tailored to your needs.
Bridge loan program highlights
- Private sources of capital — outside the traditional bank box
- Loan amounts up to $250MM
- Loan-to-value ratios as high as 90%
- Repayment terms from 1 to 3 years
- Fast closings — often 2 to 3 weeks
How our hard money and bridge loans close in weeks
Speed comes from preparation, not shortcuts. When you send us a scenario we review the property, the rent roll or purchase contract, and your exit plan the same day, then tell you honestly whether the deal is financeable and at roughly what price. There is no committee queue and no waiting weeks for a first answer.
Once you accept a term sheet we order third-party reports immediately and work in parallel with title and legal instead of finishing one step before starting the next. Because the capital sits with private lenders and funds rather than a retail bank, the credit decision is made by the people who actually hold the paper, which is why a two to three week closing is realistic rather than optimistic.
Scenarios we finance every month
- Acquisitions on a deadline — contract closings a bank simply cannot meet
- Bank turndowns — sound properties declined for credit, seasoning or documentation reasons
- Value-add and lease-up — buildings that need income stabilized before permanent debt
- Partner buyouts and 1031 timing — short windows where a sale has not yet funded
- Maturing loans and discounted payoffs — refinances that must fund before a hard date
Every file is different, so what a deal costs depends on leverage, property type and how fast you need to fund. Tell us the scenario and we will price it against the whole private market instead of one lender’s box. Bridge pricing is usually quoted as a spread over a published index such as SOFR, so the number you are quoted today can move with the market.
Connect with us
Because our hard money and bridge loans are funded through a private lender network, we can avoid the red tape common with traditional lending. Do not let your dream deal be just a dream.
Call 888-656-9812 or contact a commercial mortgage specialist for current pricing on your scenario. You can also explore commercial mortgages, multifamily and apartment building loans, and portfolio lending.