Top Commercial Hard Money Lenders: Discover Your Options

A commercial hard money lender is a private individual or company that offers short-term loans secured by real estate. They focus on the value of the property rather than the borrower's creditworthiness, making them a popular choice for borrowers who may not qualify for traditional bank loans.

Commercial hard money loans, also known as traditional financing or traditional bank loans, are loans funded by private lenders based mainly on property equity. Since investors could have different opinions about your property value and ability to pay, and each investor offers different rates & terms, you should shop your hard money loan to several private lenders simultaneously. By not shopping your loan to multiple lenders, you are taking the risk of not getting favorable loan terms or not getting the loan at all. The major advantage of commercial hard money loans over traditional loans is the speed and flexibility they offer, although they do come with a higher carrying cost in the form of an interest rate. One of the key differences between a commercial hard money loan and traditional financing is the source of funding. Commercial hard money loans are funded by private lenders, while traditional lenders fund bank loans.

compare commercial hard money loan programs

Commercial Hard Money Pro:

  • Your bank is taking too long.
  • You have no guarantee that your bank will approve your loan
  • You need a loan funded in under 25 days
  • You will lose a business opportunity if you don't get cash on time
  • You could lose your business and or property unless you get funding
  • Banks don't understand your business
  • Your tax returns do not show enough income
  • You have credit issues that take time to resolve
  • Your property is a little unique
  • You have lots of "unused" equity in your property
  • Qualify with two or more properties (Blanket loan)
  • Banks won't approve you inexplicably
  • You can't get the mountain of documents a bank requests fast enough
  • Can have a creative solution to fit your financial needs

Commercial Hard Money Con:

  • Can't get loan amounts with high LTV
  • Most lenders won't lend above 60%-65% LTV (a few will go up to 80%)
  • Higher rate than a bank loan
  • Mostly short terms up to 3-5 years
  • Higher origination costs

Local and Nationwide Commercial Hard Money Lenders

For small commercial loan amounts up to $10 million, your best bet will be local hard money investors who are organized through local hard money loan brokers and direct lenders in your city and state. For larger loan sizes up to $250 million, we connect you with nationwide lenders in addition to lenders near you.

Lendersa® will match your loan request to the best-matching commercial lenders among thousands of commercial lenders in our database.

Social Security Number is not required to receive multiple loan offers from our lenders.

See your commercial loan programs in minutes.

Please correct the following errors:

Loan Information


Property Information


Borrower Information


Alternative programs to Commercial hard money loan

Understanding the Various Small Business Financial Programs
Comptroller's Handbook - Commercial Real Estate Lending


Small businesses play a significant role in the growth of the economy, which is why the government provides numerous financial programs to support their success. From loans, grants, and investments to tax credits and technical assistance, these programs help entrepreneurs and small business owners access the capital they need to expand and create jobs. In this blog post, we'll explore some of the key initiatives aimed at supporting small businesses like the STATE SMALL BUSINESS CREDIT INITIATIVE (SSBCI), SMALL BUSINESS LENDING FUND (SBLF), COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI FUND), and the OFFICE OF SMALL AND DISADVANTAGED BUSINESS UTILIZATION.

The STATE SMALL BUSINESS CREDIT INITIATIVE (SSBCI) is a program that provides capital to state programs that support private sector loans and investments to small businesses and small manufacturers. These companies are creditworthy but lack access to the funds they need to expand and grow their operations. By getting the funds they need, they can create new jobs and increase economic growth in their communities. Massachusetts and Arizona are two of the states that have already taken advantage of this initiative and helped numerous small businesses.

Another program worth mentioning is the SMALL BUSINESS LENDING FUND (SBLF), aimed at providing capital to qualified community banks and community development loan funds (CDLFs). This encourages these institutions and Main Street businesses to work together in promoting economic growth and creating new job opportunities. Through the SBLF program, the Treasury has invested over $4.0 billion in 332 institutions with a structure to incentivize increased small business lending.

The COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI FUND) helps revitalize low-income communities through investment in and assistance to mission-driven lenders, also known as Community Development Financial Institutions (CDFIs), and other community development organizations. This is accomplished through the Community Development Financial Institutions Program, the New Markets Tax Credit Program, the CDFI Bond Guarantee Program, the Bank Enterprise Award Program, and the Native American CDFI Assistance Program. The CDFI Fund supports underserved populations, rural communities, and minority-owned small businesses to improve the local economies.

Finally, the OFFICE OF SMALL AND DISADVANTAGED BUSINESS UTILIZATION assists and counsels small businesses. The office guides how to get contracts and technical assistance and connects these small businesses with other prospective partners and clients. This office also works with government agencies and prime contractors to increase partnerships and subcontracting opportunities for small businesses.


Instead of a Hard money loan, you may qualify for one or more of the various programs mentioned, which are only a small selection of the many federally funded financial programs to support small businesses that are fueling the nation's economy. It's essential to take advantage of Lendersa® valuable resources available to help entrepreneurs and small business owners expand their operations, create job opportunities, improve local economies, and achieve financial prosperity.

Important links: