Private Hard Money Lenders
Commercial loans make it easier for commercial real estate investors like yourself to acquire the capital you need for a project, whether you’re looking to buy a property or renovate an existing one before selling it or renting it out.
If you need more information on commercial private hard money lenders, you’ve come to the right place.
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No Hidden Fees
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Flexible Terms
How do Private Hard Money Lenders Work?
In general, private commercial hard money lenders for real estate is more flexible compared to bank. This is why borrowers who don’t meet the requirements of traditional lenders often go to commercial private money lenders. Private commercial lenders’ loan products vary greatly, with different terms, rates, and equity/down payment minimums.
The application process and eligibility requirements for private commercial lending also differ from one lender to another. Some private commercial lenders are strict, while others are open to loaning money to borrowers with poor credit.
Process of Private Commercial Lenders
A private commercial lender will typically look at the following when reviewing your loan application:
- Cash flow – A lender will want to see if you have enough cash flow to repay the loan. Your chances at getting approved will usually depend on whether your net income is steady and is at least 20% higher than your debts. To verify your credentials, they may ask to see your financial statements, tax documents, evidence of assets that can be converted into cash, and documentation of your proceeds from rental income or leases.
- Collateral – Commercial private hard money lenders will review the value and profitability of the commercial property collateral. They may use the loan-to-debt ratio to check if it makes sense to finance the project. The LTD should not exceed 75% for non-recourse loans, which may be offered if you lack an established financial track record. This means your personal assets can be used as collateral. If you default, the lender can seize.
A commercial loan is shorter, usually with a balloon payment at the end of the term. Make sure that you have a plan for paying off this lump sum.
Don’t forget to check the loan offer for any prepayment conditions—be it a basic prepayment penalty, a lockout, or an interest guarantee.
Benefits of Working with a Private Commercial Lender
The right commercial private money lenders will be able to provide these perks:
- Faster funding and instant cash – You could get your loan within a few days—and in some cases, in a matter of hours.
- Faster funding and instant cash – You could get your loan within a few days—and in some cases, in a matter of hours.
- Less paperwork – You do not have to sign a lot of papers to get things done. Most lenders also require minimal documentation. Some may not even bother to look at your credit score.
- Flexible terms – These lenders are more flexible than regular banks, and terms may be negotiable depending on your situation.
Why Choose Capital Investors Direct for Private Commercial Lending?
We’ll help you avoid guesswork in private commercial lending. Capital Investors Direct is based in Maryland, but our commercial real estate investment advisory services are available nationwide. Do not hesitate to approach us to find suitable private commercial lenders in your area. Our objective is to help you find the best commercial loan solution specifically tailored to your situation.
Instead of approaching a bank, contact us immediately to access the right private commercial lender for real estate. We won’t waste your time, as we provide a simple application process and fast closing. Rates can be as low as 7%, even for a highly customized commercial property loan.
Commercial Projects We Fund
Capital Investors Direct, provides access to investment capital for commercial real estate funding. Here’s a list of properties you can acquire with commercial investment property loans:
Locations We Cover
Capital Investors Direct provides loan financing options in the following geographic locations of the United States:
– All 50 states and US Territories (Puerto Rico; US Virgin Islands)
– Top 200 MSA Tier I & Tier II Cities (population above 50,000; metropolitan areas; etc.)
Why Choose us
Our list of happy clientele speaks for itself. We believe in a simple theory, listen to your customers, and go above and beyond to deliver. Together we bring years of expertise, market knowledge, and detailed insights about the right commercial real estate investment options. With a team that champions in their respective areas, we are committed to only deliver the best.
“With personalized service on our agenda, Capital Investors Direct is here to make your life easy”
How It Works?
Start your commercial loan application today!
or Call Us At (800).348.8120
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11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)
Get Approved For A
Hard Money Loan
Get In Touch
11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)
Direct Capital Investment Firm
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Get In Touch
11140 Rockville Pike
Suite 100 – 671
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)
