Best Commercial Hard Money Lenders In The US

When traditional financing isn’t an option, due to time constraints, property conditions, or borrower qualifications, commercial hard money loans offer a faster, more flexible solution. For real estate investors working on value-add projects, cash-out refinances, or transitional assets, private money lending can provide the capital needed to keep deals moving.

This guide highlights some of the top commercial hard money lenders in the U.S., each known for their speed, experience, and ability to fund complex transactions that fall outside standard bank loan criteria. Whether you’re looking to finance a multifamily rehab, an office repositioning, or a bridge commercial real estate loan for a pending sale, the lenders on this list cover a range of hard money loans with varying sizes, property types, and borrower scenarios.

How We Selected This List Of Lenders

To identify the best commercial hard money lenders, we focused on those with a proven track record of funding deals quickly and reliably across a range of property types. Each lender was evaluated using the following criteria:

Speed of closing – Can they fund a deal in days or weeks, rather than months?
Reliability – Do they follow through on commitments and meet funding timelines?
Years in business – Longevity suggests experience navigating different market cycles.
Borrower feedback – We looked at reviews and testimonials to understand how lenders perform in real-world scenarios.
Loan products offered – Including commercial bridge hard money loans, value-add loans, cash-out refinances, and other commercial hard money loan structures.
Property types covered – Lenders that support a wide range of commercial real estate, from multifamily and industrial to office, retail, and hospitality.
Geographic reach – National lenders and those with regional strength were both considered, depending on footprint and consistency.

By focusing on lenders who fund both straightforward and complex commercial real estate loan transactions, and who are known for being accessible and responsive, we aimed to build a list that’s useful to commercial real estate investors navigating fast-paced deals.

1. New Silver Lending

New Silver stands out as one of the top commercial hard money lenders for real estate investors, offering funding in as little as 5 days. By integrating advanced technology into every stage of the investment process, from identifying properties to closing deals, New Silver delivers a faster, more streamlined borrowing experience than their competitors, and a bank loan.

The lender provides a range of hard money loan options tailored to different investment strategies, with small balance commercial loans being one of their main products.

What sets New Silver apart from other commercial hard money lenders is its investor-focused approach and digital-first platform. Key features include:

Instant Proof of Funds Letters: Issued immediately upon loan approval to help investors move quickly and compete effectively.
Instant Term Sheets: Borrowers receive detailed loan terms right away, accelerating decision-making.
End-to-End Online Process: From application to funding, every step can be completed online, with no paperwork or in-person meetings required.
FlipScout: New Silver’s free investment property search tool uses real-time data and analytics to help investors identify high-potential opportunities.
Blockchain-Powered Lending: By leveraging blockchain technology to securitize loans, New Silver enhances efficiency, transparency, and speed in the lending process.

Commercial Hard Money Loan Product

In addition to residential investment financing, New Silver offers Small Balance Commercial Real Estate Loans, designed for experienced investors in need of short-term capital for commercial properties. Whether the goal is acquisition, rehab, or refinancing, this program offers the flexibility and speed to support portfolio growth.

Eligible Property Types:

Multifamily
Office
Mixed-Use
Industrial
Senior Housing

Loan Highlights:

Loan Amounts: $1.5 million – $15 million
Term Lengths: 12 to 24 months
Lien Position: First lien only
Loan-to-Cost (LTC): Up to 80%
Loan-to-After-Repair Value (LTARV): Up to 70%
Origination Fee: 1% – 2%
Broker Compensation: Up to 2 points
Eligible Transactions: Purchases, purchases with rehab, and rate-and-term refinances

2. Wilshire Quinn Capital

Wilshire Quinn Capital is a direct commercial hard money lender specializing in financing both commercial real estate and residential investment properties, with loan amounts up to $20 million. Known for speed and certainty, Wilshire Quinn offers pre-approvals within 24 to 48 hours and can fund private money loans in as little as five to seven days.

As a nationwide lender, Wilshire Quinn brings a disciplined underwriting approach and in-house loan origination to every deal, helping investors close quickly and move forward with confidence. Whether you’re purchasing, refinancing, rehabbing, or executing a 1031 exchange, Wilshire Quinn provides tailored solutions for time-sensitive transactions.

Commercial Hard Money Loan Product

Wilshire Quinn’s commercial loan program is designed for investors and developers who need fast access to capital and flexible underwriting for complex transactions.

Loan Highlights:

Loan Size: $500,000 – $20,000,000
Loan Term: 6 to 18 months
Lien Position: First trust deeds only
Interest Rates: 9% – 12% (interest-only payments)
Origination Fees: 1 to 5 points, depending on location, property type, LTV, borrower credit, and loan terms
Loan-to-Value (LTV): Up to 60% (and up to 60% of ARV for rehab loans, not to exceed 80% of the purchase price)
Closing Time: Typically 5 to 7 business days
Geographic Focus: Nationwide, with emphasis on metropolitan and coastal areas

3. Bridgewell Capital

BridgeWell Capital has been providing hard money loans to real estate investors since 2008. As a direct lender with its own capital, BridgeWell offers small balance commercial loans without the usual delays that come with traditional financing. Their focus is on making funding accessible and straightforward, particularly for investors working on time-sensitive or unconventional projects.

BridgeWell’s hard money loans are designed for commercial properties ranging from office and retail to self-storage and mixed-use. The process is designed to be flexible, so credit issues, limited income documentation, or property vacancies aren’t automatic disqualifiers. Investors can also access rehab credit lines for properties in need of improvements.

Loan Highlights:

Loan Amounts: $150,000 to $2,000,000
Loan Terms: 12 months to 5 years
Interest Rates: 10% – 13% APR
Origination Fees: 1.5% to 3%
Loan-to-Value (LTV): Up to 75%
Rehab Costs: Up to 100% can be financed
Minimum Property Value: $150,000
Documentation: No W-2s or tax returns required
Property Types: Office, retail, mixed-use, motel/short-term stay, flex/warehouse, medical office, self-storage

BridgeWell is often a fit for investors who need to move quickly, or who are working on properties that don’t meet conventional lending criteria.

4. Socotra Capital

Socotra Capital is a California-based hard money lender offering bridge hard money loans in 22 states. Their approach is strictly asset-based with no credit score minimums or income documentation required. Instead, they focus on strong equity positions, typically lending up to 60% of a property’s current value.

Their commercial bridge loan options are designed for unique deals that don’t qualify for a bank loan, including cannabis-use properties, vacant buildings, and owner-user commercial real estate. Terms range from 6 months to 20 years, and most hard money loans are interest-only with no prepayment penalties.

While not the fastest or cheapest option amongst the commercial hard money lenders, Socotra is known for funding deals others won’t, especially where there’s significant equity but limited borrower eligibility under traditional lending guidelines.

Commercial Hard Money Loan Product

Socotra’s commercial bridge loan options are best suited for investors who have substantial equity and need a lender that can navigate scenarios that don’t fit the mold. As far as commercial hard money lenders go, their flexibility lies in what they’ll lend on, not how much they’ll lend.

Loan Highlights:

Loan Amounts: Varies – often $500,000 and up
Loan Term: 6 months to 20 years
Loan-to-Value (LTV): Up to 60% of current value (occasionally 75% of cost on rehab deals, but still capped at 60% ARV)
Interest Rates: Typically 10% to 14%
Origination Fees: 2 to 4 points
Payment Structure: Mostly interest-only, no prepayment penalties
Funding Speed: Average closing time is 10–14 days
Credit Requirements: None (credit is reviewed but not a determining factor)
Income Verification: Not required

Properties:

Mixed-use, retail, office, industrial
Cannabis-use properties
Owner-occupied commercial buildings
Vacant or distressed properties (if equity is strong)
Specialty scenarios like bankruptcies, partner buyouts, or note purchases

Socotra doesn’t fund ground-up construction or land development, and they won’t exceed 60% LTV, even with strong ARVs or business plans. This makes them less suitable for highly leveraged value-add plays, but a solid option for investors sitting on equity who need flexibility on credit, property type, or loan structure.

5. Fairview Commercial Lending

Fairview Commercial Lending is a private lender that specializes in asset-based loans for investors who can’t or don’t want to go the conventional route. Active for over 30 years, Fairview lends its own capital and underwrites everything in-house, which allows them to move quickly and structure deals outside typical banking constraints.

They tend to focus on smaller commercial properties and non-owner-occupied residential investments, with loans typically ranging from around $150,000 up to a few million dollars. Fairview has greater flexibility on borrower qualifications than other lenders. There are no minimum credit score or income requirements, what matters most is the value of the asset. They often skip appraisals and extensive documentation, which helps speed up the process. For investors who need fast answers and funding without jumping through the usual hoops, Fairview can be a practical option.

Commercial Hard Money Lender Details

Fairview’s commercial hard money loan options are designed for investors and property owners who need fast access to capital but don’t fit standard bank lending models. These private money loans work well for short-term bridge scenarios, quick acquisitions, or situations involving distressed assets or unique borrower circumstances.

CRE Loan Highlights:

Loan Amounts: Typically $150,000 to $2 million (may vary based on state and asset)
Loan-to-Value (LTV): Up to 60% of current property value
Loan Term: Short-term to multi-year options (often 1–3 years)
Interest Rates: Vary by deal structure, generally higher due to risk profile
Fees: No application or appraisal fees in most cases
Property Types: Commercial, mixed-use, non-owner-occupied residential

Borrowers don’t need to submit W-2s, tax returns, or undergo credit scoring as a prerequisite. Fairview lends based on the property’s value, and decisions are made quickly.

5. Fairview Commercial Lending

Commercial Hard Money Lender Details

CRE Loan Highlights:

Loan Amounts: Typically $150,000 to $2 million (may vary based on state and asset)
Loan-to-Value (LTV): Up to 60% of current property value
Loan Term: Short-term to multi-year options (often 1–3 years)
Interest Rates: Vary by deal structure, generally higher due to risk profile
Fees: No application or appraisal fees in most cases
Property Types: Commercial, mixed-use, non-owner-occupied residential

Borrowers don’t need to submit W-2s, tax returns, or undergo credit scoring as a prerequisite. Fairview lends based on the property’s value, and decisions are made quickly.

6. Bloomfield Capital

Bloomfield Capital is a direct, balance-sheet lender that specializes in bridge loans for middle-market commercial real estate deals nationwide. Bloomfield steps in when traditional financing isn’t fast or flexible enough, and focuses on complex or time-sensitive transactions. Commercial hard money lenders like Bloomfield are often used in cases involving transitional assets, recapitalizations, or distressed debt.

They typically fund projects between $3 million and $30 million, with a highly structured approach that allows them to handle acquisitions, partner buyouts, note purchases, and lease-up scenarios. Bloomfield Capital lends across all major property types and is especially active in transitional assets that require short-term capital solutions.

Commercial Hard Money Lender Details

Bloomfield’s bridge hard money loans are tailored for borrowers who need to close quickly on complicated commercial real estate transactions. Their lending structure is ideal for value-add or repositioning plays, situations with tight timelines, or projects that fall outside conventional underwriting guidelines.

Loan Highlights:

Loan Amounts: $3 million to $30 million
Loan Term: 6 months to 3 years
Interest Rates: Typically 7% to 11%
Lien Position: First lien
Property Types: Multifamily, office, retail, hospitality, industrial, self-storage, senior housing, specialty use
Use Cases: Acquisitions, refinancing, note purchases, recapitalizations, lease-up, rescue capital

7. iBorrow

iBorrow is a direct commercial real estate lender known for delivering fast, flexible bridge loans to borrowers nationwide. With a focus on speed and reliability, iBorrow claims an approval process up to 80% faster than traditional banks, and notes it has never missed a funding deadline. The firm issues pre-approved letters of intent early in the process to help borrowers move quickly and compete in time-sensitive transactions.

iBorrow offers bridge hard money loans ranging from $3 million to over $100 million, targeting a wide range of property types including multifamily, hospitality, office, and industrial. Their lending model is designed for value-add acquisitions, opportunistic deals, and recapitalizations, with minimal bureaucracy and a streamlined process. Borrowers benefit from direct access to decision-makers and fast closings without the friction of multiple loan committees or drawn-out approvals.

Commercial Hard Money Lender Details

iBorrow’s bridge loan program is built for sponsors who need speed, certainty, and flexibility in mid to large-sized commercial real estate deals. Their hard money loans are well-suited for projects in transition, whether through renovation, lease-up, repositioning, or restructuring.

Loan Highlights:

Loan Size: $3 million to $100+ million
Loan Term: Typically 12 to 36 months
Loan-to-Value (LTV): Up to 70% of value (may vary by deal
Interest Rates: Varies by risk profile and deal size (often in the 7%–10%+ range)
Lien Position: First lien
Use Cases: Value-add acquisitions, refinances, recapitalizations, rescue capital, lease-up financing
Property Types: Multifamily, office, retail, hospitality, industrial, and other transitional commercial real estate

8. Private Capital Investors

Private Capital Investors is a direct commercial real estate lender and advisory firm that’s been active for over 25 years. With more than 1,500 loans funded and over $8.5 billion in closed deals, they focus on building long-term relationships with borrowers while delivering flexible financing options.

They offer loan amounts from $2 million to $50 million and are able to issue approvals within 24 to 48 hours. For most of their products, tax returns aren’t required, which helps reduce paperwork and speed up the process. On average, deals close within two weeks, making them a solid option for borrowers who need to act quickly or navigate around traditional bank requirements.

Private Capital Investors funds a wide variety of commercial real estate types and has the capacity to handle both straightforward and complex transactions. With approximately $500 million in funding deployed annually, they’re experienced in structuring deals across multiple markets.

Commercial Hard Money Lender Details

Private Capital Investors’ commercial bridge loan program is tailored to borrowers who need quick closings, reduced documentation, and flexible deal terms. These hard money loans are particularly useful for transitional properties, cash-out scenarios, and value-add opportunities that may not qualify for conventional bank financing.

Loan Highlights:

Loan Amounts: $2 million to $50 million
Loan Term: Typically 12 to 36 months
Loan-to-Value (LTV): Varies by property type, usually capped at 85%
Interest Rates: Deal-dependent, often ranging from 8% to 12%
Documentation: Minimal, often no tax returns required
Funding Speed: Typically within 2 weeks
Use Cases: Acquisitions, refinance, cash-out, bridge to permanent financing, value-add projects
Property Types: Multifamily, office, retail, industrial, hospitality, and specialty assets

Final Tips For Choosing The Right Lender

Choosing the right commercial hard money lender isn’t just about closing your next deal, it’s about setting yourself up for future opportunities. The best private lenders are those who not only fund your project but also understand your long-term goals as a commercial real estate investor.

Tip 1: Be clear on your goals

Before reaching out to any private money lender, know exactly what you’re trying to achieve. Are you looking for flexible terms? Do you need a commercial bridge loan for a short-term flip, or a longer-term commercial loan to stabilize a property? Aligning your commercial hard money lenders strengths with your investment strategy is key.

Tip 2: Read the reviews

One of the best ways to gauge how a private money lender operates is through borrower feedback. Look for detailed client reviews, especially from those who’ve used hard money loans for residential or commercial property, to get a sense of reliability, communication, and follow-through.

Tip 3: Understand the trade-offs

Hard money loans move faster than a traditional bank loan, but they often come with higher interest rates and lower loan-to-value ratios. If speed and flexibility are more important than cost, commercial hard money lenders may be worth the trade-off.

Tip 4: Ask the right questions

Before signing anything, ask the lender about their funding timeline, experience with your specific property type (residential or commercial property), and what they’ll need from you. A good commercial hard money lender will be transparent about their process and won’t overpromise.

Tip 5: Build relationships, not just transactions

The most successful commercial real estate investors treat commercial hard money lenders as partners. If you find a private money lender who delivers, stay in touch, even if you don’t need capital immediately. A strong relationship can help you move faster and negotiate better terms on future hard money loans for commercial property.

Best Commercial Hard Money Lenders In The US