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What is a Hard Money Loan & What are the Benefits?

Florida Hard Money Investor | Orlando Private Money Loans

Are you in the market for a loan to get your business moving in the right direction? Perhaps you have less than perfect credit or documentation problems. Maybe you are self-employed and short on finances. Or maybe the banks just keep turning you down. Whatever your situation, Shop Commercial Mortgage has the hard money loan you need. But what exactly is a hard money loan? And what are the benefits?

A hard money loan is financing secured by the borrower’s assets or property, not by credit-worthiness. The property itself is used as protection against default. Hard money loans are offered by private investors, not traditional Investors such as banks. Most hard money loans are used to financing projects of a short duration, lasting anywhere from a few months to a few years. Although interest rates are typically higher than with other loans, hard money loans can be a lifeline for distressed borrowers facing the prospect of foreclosure or bankruptcy.

Hard money loans offer significant advantages over bank-financed loans.

Fast financing

The process of obtaining a loan from a financial institution is a long and arduous one. Even the simplest of bank loans demands a never-ending supply of forms, statements, and other documents, and forces the borrower to wait for months on end. With a hard money loan from Shop Commercial Mortgage, our experienced underwriting team will issue a confirmation 24 to 48 hours after a loan request. Our closing time is 21 days or less.

Flexible Structure

Traditional Investors use an inflexible one-size-fits-all approach to Investing. As a private Investor, we work with your individual needs to structure repayment terms in ways that will most benefit your business.

No Prepayment Penalties

Banks and other traditional financial institutions often charge fees if you repay the balance before the due date. At Shop Commercial Mortgage, we are invested in your success and structure our loans without prepayment penalties.

If the banks keep telling you no, come to Shop Commercial Mortgage and let us tell you yes. Our private and hard money partners will get you the cash your business so desperately needs. Ask Shop Commercial Mortgage about a hard money loan today!

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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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