When seeking capital for your next real estate project, finding the right partner is crucial. Below is a curated directory of the 20 best commercial hard money lenders to help you start your search.
However, while this list features top-tier national firms, a static directory may not be good enough for your specific loan scenario. The reality of private lending is highly nuanced, and the biggest names aren't always the right fit.
For example, imagine you need a $120,000 commercial second mortgage on a grocery store. Many national lenders advertise loan minimums as low as $50,000, but in practice, they will often shun your request because their underwriters pay much more attention to a $900,000 loan. In that scenario, a local commercial hard money lender—who might not appear on a national top 20 list—will end up being your absolute best choice.
Consider another complex scenario: financing an automotive property. Even aggressive hard money lenders are often afraid to touch automotive properties due to specialized use and environmental concerns. Yet, a local hard money commercial broker representing a private investor who personally owns several automotive properties might be the only lender willing to provide the financing.
Instead of manually submitting applications and hoping your project fits a national lender's current appetite, we offer an alternative solution: a system that distributes your specific loan request to all the lenders on this list, plus 50 to 100 more commercial hard money lenders, local brokers, and private investors. This ensures your deal is seen by the exact right capital source for your unique property type and loan amount.
Calling each lender and explaining your scenario one by one can take you days. Soon, you will find that not every lender has a program that matches your particular scenario. Instead of wasting your time explaining your project repeatedly, it is a lot more efficient to have an executive summary ready so you can shoot it all at once to each of the lenders on the list.
Lendersa can prepare a professional loan request presentation for you—100% free. This summary answers all the most common questions every lender needs to know before they can even determine if they can help you. You can then email it to each lender yourself, or we can email it for you.
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1. New Silver Lending New Silver provides rapid funding for commercial real estate investors by utilizing advanced technology to streamline the entire loan approval and funding process efficiently.
Domain:
Email: sales@newsilver.com
Phone: (855) 844-5627
2. Wilshire Quinn Capital Wilshire Quinn Capital is a direct lender providing fast pre-approvals and funding for commercial projects up to twenty million dollars across the nation.
Domain:
Email: info@wilshirequinn.com
Phone: (310) 984-6755
3. BridgeWell Capital BridgeWell Capital specializes in small-balance commercial hard money loans, offering rapid closing times that bypass the standard delays associated with traditional bank financing.
Domain:
Email: info@bridgewellcapital.com
Phone: (866) 500-4500
4. Socotra Capital Socotra Capital delivers reliable commercial bridge and hard money loans across multiple states, ensuring investors receive flexible short-term financing for diverse property types.
Domain:
Email: info@socotracapital.com
Phone: (855) 889-7626
5. Fairview Commercial Lending With decades of experience, Fairview Commercial specializes in smaller commercial properties, offering private funding without enforcing the strict credit requirements of conventional banks.
Domain:
Email: info@fairviewlending.com
Phone: (866) 634-1270
6. Bloomfield Capital Bloomfield Capital acts as a direct real estate lender and equity investor, providing fast and reliable short-term commercial mortgages for time-sensitive nationwide deals.
Domain:
Email: deals@bloomfieldcapital.com
Phone: (248) 745-1700
7. iBorrow iBorrow operates as a nationwide commercial real estate bridge lender, effectively financing a wide variety of commercial property types with flexible capital solutions.
Domain:
Email: submissions@iborrow.com
Phone: (310) 903-4306
8. AMZA Capital AMZA Capital stands as a leading hard money lender, offering highly competitive commercial and real estate investment loans tailored for diverse investor needs.
Domain:
Email: info@amzacapital.com
Phone: (888) 858-3241
9. Easy Street Capital Based in Texas, Easy Street Capital provides high-leverage bridge loans and commercial financing solutions, frequently operating without the need for standard bank appraisals.
Domain:
Email: marketing@easystreetcap.com
Phone: (844) 452-9968
10. Jet Lending Jet Lending provides both short-term and long-term asset-based commercial and residential investment loans, serving real estate professionals across all fifty United States effectively.
Domain:
Email: info@jetlending.com
Phone: (281) 872-7800
11. Kiavi Kiavi heavily leverages modern technology to provide incredibly fast bridge and construction loans, empowering real estate investors to scale their commercial portfolios quickly.
Domain:
Email: servicing@kiavi.com
Phone: (415) 964-4975
12. Capital Funding Financial Capital Funding Financial is a licensed direct lender specializing in tailored commercial bridge loans and multifamily financing options for serious real estate investors.
Email: info@capitalfundingfinancial.com
Phone: (866) 999-2011
13. NV Capital Corporation Based in Las Vegas, NV Capital Corporation specializes in commercial hard money loans and trust deed investments customized for the vibrant Nevada market.
Domain:
Email: info@nvcapcorp.com
Phone: (702) 745-6787
14. Insula Capital Group Insula Capital Group provides diverse real estate financing options nationwide, maintaining a strong focus on fix-and-flip, new construction, and long-term rental property loans.
Domain:
Email: info@insulacapitalgroup.com (Note: They also actively use info@insulacap.com)
Phone: (800) 581-6020
15. Gelt Financial Gelt Financial operates as a direct portfolio lender offering commercial and investment financing nationwide, often closing loans without imposing strict credit or appraisal requirements.
Domain:
Email: info@geltfinancial.com
Phone: (561) 221-0900
16. Gauntlet Funding Gauntlet Funding specializes in distressed asset financing, new construction, and fix-and-flip loans, serving both residential and commercial investment property needs across the country.
Domain:
Email: info@gauntletfunding.com
Phone: (631) 465-2161
17. Express Capital Financing Express Capital Financing provides fast, flexible commercial real estate loans, including debt service coverage ratio loans, multifamily financing, and mixed-use bridge loan solutions.
Email: info@expresscapitalfinancing.com
Phone: (888) 565-9477
18. LendTerra LendTerra serves as a nationwide commercial hard money lender specializing in delivering short-term capital for highly time-sensitive real estate acquisitions and property renovations.
Domain:
Email: info@lendterra.com
Phone: (855) 753-6383
19. Pender Capital Pender Capital focuses exclusively on commercial real estate bridge loans, offering reliable short-term, asset-based capital solutions to investors located throughout the United States.
Domain:
Email: info@pendercapital.com
Phone: (310) 853-8005
20. First Capital Trust Deeds (FCTD) First Capital Trust Deeds acts as a nationwide hard money mortgage broker, working directly with family offices to secure funding for commercial investment projects.
Domain:
Email: info@fctd.com
Phone: (888) 750-1650
21. RCN Capital
RCN Capital provides short-term and long-term commercial loans for real estate investors, specializing in fix-and-flip, new construction, and rental property financing nationwide.
Domain:
Email: info@rcncapital.com
Phone: (860) 432-5858
22. Lima One Capital
Lima One Capital is a premier direct lender for real estate investors, offering flexible financing solutions for fix-and-flip projects, rental portfolios, and multifamily properties.
Domain:
Email: hello@limaone.com
Phone: (800) 390-4212
23. LendingOne
LendingOne offers competitive commercial real estate loans, providing fast and reliable capital for fix-and-flip, rental, and new construction projects with an easy online process.
Domain:
Email: info@lendingone.com
Phone: (866) 837-9547
24. Visio Lending
Visio Lending specializes in long-term loans for single-family rental properties, offering tailored solutions for investors to grow their portfolios without strict income verifications.
Domain:
Email: loans@visiolending.com
Phone: (888) 521-0353
25. CoreVest Finance
CoreVest Finance is a leading provider of financing for residential real estate investors, delivering diverse bridge and rental loan products to support property acquisitions and rehabs.
Domain:
Email: info@cvest.com
Phone: (844) 223-7496
26. Sharestates
Sharestates operates as a prominent real estate investment platform and direct lender, offering customized hard money loans for rehabilitation, ground-up construction, and commercial projects.
Domain:
Email: SharestatesI@sharestates.com
Phone: (212) 201-0750
27. Stratton Equities
Stratton Equities is a nationwide direct hard money and NON-QM mortgage lender that delivers an extensive variety of private capital solutions to experienced real estate investors.
Domain:
Email: info@strattonequities.com
Phone: (800) 962-6613
28. Anchor Loans
Anchor Loans provides quick, reliable bridge and construction financing for residential and commercial real estate investors, maintaining a strong track record of nationwide lending.
Domain:
Email: brokers@anchorloans.com
Phone: (888) 789-7413
29. Arixa Capital
Arixa Capital focuses on providing flexible bridge, fix-and-flip, and construction financing for residential and commercial investors, operating primarily in the western United States.
Domain:
Email: info@arixacapital.com
Phone: (310) 905-3050
30. OfferMarket
OfferMarket operates as a direct private lender and marketplace, providing fast, reliable, low-cost loans to rental property investors, flippers, and wholesale buyers.
Domain:
Email: hello@offermarket.us
Phone: (443) 492-9941
When seeking a hard money loan, the headline interest rate often matters less than loan fees, cash-out amounts, and funding speed. For direct hard money mortgage brokers, focusing solely on commissions can risk losing the deal entirely. Collaboration and smart networking are essential.
Your priority should always be closing the loan for your client. Successfully funding challenging scenarios boosts your reputation, secures repeat business, and ultimately grows your bottom line.
There are thousands of direct hard money lenders across the country, but manually contacting all of them is unrealistic. Every hard money loan is unique, presenting its own set of challenges and variables.
Comparing multiple lenders is critical. It is the only way to ensure you secure funding for tough loans or save significant capital on favorable terms. However, reaching out to 20 to 50 local and national lenders one by one is exhausting.
That is where Lendersa® comes in.
At Lendersa, we aren't competing with lenders; we simply strive to give you the best service and full transparency. Because of this, we have provided the direct phone numbers and emails for the 20 best commercial hard money lenders in the industry right here in this post.
You have a choice. You can spend the next several days doing this the "hard way"—preparing your scenario and manually emailing it to each of these lenders one by one.
OR, you can do it the "smart way" using Lendersa® for free. Our portal can save you hours of work and boost your chances of securing a better loan by 95%.
Here is a look at how the Lendersa® platform transforms the lending process:
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The Loan Process |
The Traditional Method (The Hard Way) |
The Lendersa® Advantage (The Smart Way) |
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1. Preparation & Distribution
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Draft an email scenario and manually send it to a handful of lenders on your list. |
Create one standardized request. Lendersa® instantly routes it to these top 20 lenders and hundreds of others. |
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2. Tracking & Follow-up |
Manage endless phone calls, scattered emails, and messy spreadsheets. |
Use Lendersa’s free hard money CRM to track all secure interactions, documents, and calls in one centralized hub. |
|
3. Comparing Offers |
Manually request soft quotes and try to line them up side-by-side. |
Use Lendersa® AI to request quotes, answer lender questions, and generate side-by-side comparisons of terms. |
|
4. Submitting Documents |
Email sensitive documents to multiple parties repeatedly. |
Upload documents once to the portal and selectively transfer them only to suitable direct lenders. |
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5. Analyzing LOIs |
Read through dense Letters of Intent (LOIs) hoping you don't miss a hidden fee. |
Use Lendersa's comparison tool to analyze rates, terms, conditions, and flag unusual red flags in term sheets. |
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If you prefer to reach out directly, here are 20 of the be