Small Balance Florida Commercial Hard & Private Money Call or TEXT 813.368.9919

Discover the Many Advantages of Hard Money Loans

Hard money loans can offer many advantages to borrowers who have been discouraged by dealing with conventional banks and lenders. It is important to remember that there are brokers out there who may represent themselves as hard money lenders; to avoid hidden fees come directly to the hard money source at Shop Commercial Mortgage.

Why should you be looking at hard or private money for your next loan?

Hard money loans from Shop Commercial Mortgage are secured by the equity in your property, rather than relying on your credit rating. This allows borrowers with less than perfect credit to have access to funds for residential or commercial purposes. Low credit scores, a previous bankruptcy, foreclosures, or self-employment are not barriers to obtaining loans from us. If you have a free and clear property or one with a minimal mortgage balance, we can ignore all the issues that will get you rejected by the banks and get your money without the hassles.

Speed is another advantage of hard money loans. Our underwriting is fast and not cluttered with multiple requests for tax returns and credit checks. This allows real estate investors to move quickly to secure time-sensitive deals. We will inspect the property, determine the equity available to secure our loan, and get your money to you in a few days.

Our loans are typically up to 65% of the loan-to-value ratio (LTV) depending on the property. We don’t shortcut our due diligence, we will concentrate on having an in-depth understanding of the property you are using to secure your loan and the embedded equity in it. We simply don’t waste your time with credit checks and other delays.

For more information about our hard money loans please call Shop Commercial Mortgage at 813-516-5210

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"I just closed a commercial loan in St. Petersburg. A 16 unit apartment complex for $100,000 at 11.5% interest. It was a free and clear equity driven low documentation refi with no appraisal so it closed fast!"

Mikle / Broker


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