Commercial Hard Money Lenders California

Hard Money Commercial Loans for California Real Estate

Hard Money Loan Request

We will contact you to review the loan scenario and provide a quote.

Commercial Hard Money Lenders & Loans

North Coast Financial are California commercial hard money lenders offering commercial hard money loans on various property types including retail, industrial, office buildings, healthcare, hotels, multifamily and special purpose properties. Commercial bridge loans are available for property owners who need quick financing against their commercial real estate.

Commercial Hard Money Loans – Fast and Flexible Solutions

Commercial hard money loans are the fast and flexible alternative to slow and restrictive commercial loans through traditional lenders like banks. Hard money commercial loans can be funded in a matter of weeks while commercial bank loans can take many months. Borrowers may obtain hard money business loans for various purposes including property acquisition, renovations, bridge financing or funding existing business operations. North Coast Financial is also able to provide 2nd position commercial loans in situations where the property owner has sufficient equity in their real estate. Often times the property owner has a low interest 1st they wish to keep in place but have a short-term need to borrow funds. Contact North Coast Financial now and have your commercial hard money loan funded fast.

As Featured

Why Choose North Coast Financial?

Commercial Hard Money Loans

Hard money commercial loans are an alternative when conventional bank loans are not an option for the borrower due to the need for faster funding or when a conventional lender has rejected the borrower’s loan request.

Commercial bank loans often take 2-3 months and longer to fund commercial loans, while hard money commercial loans can take 7-10 days.

Banks may reject a borrower’s request for various reasons including low credit scores, insufficient income or an inability to provide documentation such as tax returns or other financial statements. Commercial hard money lenders focus primarily on the value of the commercial property being used as collateral for the loan and are able to overlook many issues if the borrower has sufficient equity in the property.

Other reasons a bank may deny a borrower’s commercial loan request include liens or judgements existing on the property, borrower is attempting to restructure their existing loan and avoid foreclosure, the borrower is a foreign national, or if the loan request requires some creativity that stringent bank policies are not able to accommodate.

Commercial Hard Money Real Estate Property Types

Strip center, community retail center, shopping malls
Flex warehouse, light assembly, heavy manufacturing, bulk warehouse, distribution centers
Class A, Class B, Class C
Medical office condos, hospitals, nursing homes, senior retirement communities
Full service hotels, limited service hotels, extended stay hotels, motels
Highrise apartments, midrise apartments, garden apartments
Restaurants, cafes, car washes, self-storage, theatres, community centers, churches

North Coast Financial Commercial Hard Money Loan Programs

  • Commercial Hard Money Loan Program

Loan Application Approval Timeline Same day approval available
Time to Fund Loan As few as 1-2 weeks
Property Types Retail, industrial, office buildings, healthcare, hotels, multifamily, special purpose
Loan Amounts $30,000 – $5 Million+
Loan Terms 1 to 5 Years
Lien Position 1sts, 2nds
Loan to Value (LTV) Up to 60% of current value of property
Fees No appraisal fees (in most situations) and no hidden junk fees
Commercial Loan Rates and Points Please contact us for information on current rates and points