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Hard Money & Bridge Loans

Hard money and bridge loans are two great ways to get the cash you need quickly. Leverage your company’s assets for fast funding with hard money. Take a bridge to get you through to the long-term financing you’re waiting on. No matter what your company’s short-term financial needs are, we have the right solutions.

What are Hard Money Loans?

So-called “hard assets” are tangible assets like your company’s real estate property, essential equipment, or fleet of delivery trucks. A hard money loan lets you take the value of those assets out in cash. You can use hard money loans for working capital, buying real estate, or purchasing new equipment.
Your lender will assess the value of the asset and give you a percentage of it in cash. Since these loans are short-term only, maturing in a few months or a few years, you’ll need a plan in place to repay the loan. If you default on the loan, your lender can take possession of the hard asset you used to secure it.
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What are Bridge Loans?

Bridge loans carry businesses across to long-term financing. If you’re waiting on approval for a mortgage, you can use a bridge loan to put down a cash offer on a property. A cash offer will make you more competitive against the other potential buyers, and can positively impact the price you pay. It can also get you into new property faster. Replace the bridge loan with long-term financing, paying off the initial loan and paying down the principle with manageable monthly payments.
Bridge loans are also used for revitalization through renovation and amenity improvement. Say you own a hotel but want to upgrade air conditioning units to be more powerful and quiet, or, your competitor has a new pool and cabanas that make their property more attractive to guests. A bridge loan gives you the money you need to upgrade. Then, repay the loan with long term financing and monthly payments after the influx of new guests brings in more cash.
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Real Estate

Looking to expand your real estate portfolio? Hard money loans are ideal for investors that like to flip properties. Use the loan to buy and renovate the new property. Then, put part of the sale of the property into paying off the loan. No long-term commitments are required. 

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Equipment
When you need new equipment fast, a hard money loan works better than traditional equipment financing. You don’t have to wait for months to be approved when you utilize a hard money loan. Have the trucks, tractors, and tools you need right away, even if you have bad credit.
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Working Capital
Do you have a plan to boost your business but need a little cash upfront to make it happen? Use a hard money loan to launch an industry conference, implement a marketing campaign, or replenish your inventory. The possibilities are limited only by your creativity. Hard money loans are based more on the value of the property than they are your application of borrowed funds.
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F.A.Q.’s

Q. What’s the difference between a bridge and a hard money loan?
The two loans are often confused but bridge and hard money loans are not the same. They vary in the types of lenders, term length, collateral, and use. Get a customized loan when you work with our brokers.
Q. When is a hard money loan not a good fit?
A hard money loan only works if you have the hard assets to secure it with. If you’re renting your business’s workspace, you won’t be able to use the equity in the property to get a hard money loan. Consider a construction loan or a real estate loan to help you move into a space that will earn equity.
Q. What are hard money loan terms?
Terms vary by lender, but the typical term for a hard money loan is just a few years. Before you consider a hard money loan, think about where your business will be in the short term. As with any other loan, put a solid repayment plan in place before you decide to borrow.
Q. Do I have to make a down payment on a bridge loan?
Most lenders do want you to put down a payment to get a bridge loan. They can be anywhere from 3% to 30% depending on your lender and the total amount of your loan. Tell us what’s in your budget and we’ll help you find a lender that will work with you.
Be approved in as little as a few hours.
Avoid the red tape of traditional lending.
Finance major projects quickly.
Don’t be locked into long-term repayment plans.

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