Hard Money Loan Types

A bridge loan is a short-term real estate loan, typically lasting six months to three years, designed to fill a temporary gap in financing. Unlike traditional commercial loans from banks or insurance companies, which often span 5 to 30 years, bridge loans are funded by private capital or hard money lenders.

An equity loan allows a property owner to borrow against the built-up value (equity) of their property. The loan amount is typically based on the difference between the property's market value and any outstanding mortgage balance.

An industrial property loan is used to finance the purchase, refinance, or construction of industrial buildings such as warehouses, factories, or distribution centers. These loans are tailored to meet the needs of manufacturing and logistics businesses.

These loans are designed to finance buildings used for office space or properties that combine residential, commercial, and/or office use. Lenders assess both the property type and the expected rental income potential.

A retail loan is used to finance retail commercial properties such as storefronts, shopping centers, or standalone shops. Lenders typically evaluate location, foot traffic, tenant quality, and income potential.

A warehouse loan is a type of commercial real estate loan used to finance storage or distribution facilities. It can also refer to short-term funding for mortgage lenders to finance home loans before they are sold on the secondary market.

A cash-out bridge loan is a short-term loan that allows property owners to access the equity in their real estate by refinancing and receiving immediate cash. It's typically used to fund new investments, cover expenses, or take advantage of time-sensitive opportunities while transitioning between long-term financing.

A hard money acquisition loan is a short-term loan provided by private lenders to finance the purchase of real estate, typically based on the asset’s value rather than the borrower’s credit. These loans are common in time-sensitive transactions like property flips or investment purchases.

Mezzanine financing is a hybrid of debt and equity financing that allows borrowers to raise capital without giving up full ownership. It’s often used by businesses for major expansions or real estate development when traditional loans don't cover the full cost.

A quick close loan is a fast-funded, short-term financing option ideal for borrowers needing to close on a property quickly. It's often used in competitive markets where speed is critical to securing a deal.

SBA 7(a) and 504 loans are government-backed financing programs designed to help small businesses purchase real estate, equipment, or fund working capital. The 7(a) loan is more flexible, while the 504 is ideal for fixed-asset purchases like buildings or heavy machinery.