LENDERNAME Min Max Max LTV% Max Term 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
Term 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
Cherrywood Commercial LLC
5M 70 30 YYY Y YY YY YYY YYY
Direct Lender NATIONWIDE except: AK ND SD Cherrywood Commercial LLC is a small-balance direct lender specializing in loans that don't necessarily fit the bank-qualifying guidelines. Call 800-819-4199.
Civic Financial Services
5M 75 4YYY YY Y YYYY Y Y
Direct Lender AZ CA CO FL GA HI ID OR TX WA Direct lender, specializing in financing non-owner-occupied residential properties (SFR, 1-4, 5+, condos). Fast closings and extremely competitive rates.
100M 70 36YYYYYY YYYYYYYYYY YYYYY YYY
Private Lender IN TERNATIONAL Commercial real estate bridge loans. Small business loans (U.S. only) for working capital/expansion using cash flow.
Columbia Pacific Advisors
50M 75 3 YYYYYYYYYYYYYYY YYYYYYYYYYYYY
Direct Lender NATIONWIDE Nationwide direct lender offering quick underwriting and fast funding. We like looking at all income-producing opportunities.
Commercial Loan Center LLC
2.5M 65 3YYY YY Y YYYY YY Y Y Y
Direct Lender NATION WIDE except: AK MI ND V T All income-producing commercial properties considered. No underground storage tanks permitted.
10M 70 2 YYYYY YYY Y
Private Lender AZ CA GA IN NC OR WA Crosswind Financial is a relationship-based direct private lender based in Los Angeles. We finance California's top residential and commercial developers.
Ellis Equity Lenders
10M 60 2Y YYY YY YYY Y Y YY YYYY Y
Direct Lender NM OK TX Bridge loans for raw land, industrial/flex warehouse loans, farms and ranches, too. Twenty years' experience, excellent reputation, quick response and brokers protected.
Equity Secured Capital
5M 75 36YYYYYYY YYY YYYYYYYY YYYYYY
Direct Lender TX Since 1990, direct lender for Texas hard money bridge loans. Property need not cash flow; stated income; no prepayment penalty. Raw land, too! Hard money, soft terms.
Evergreen Private Finance
5M 70 3 YYYYYYYYYYYY YYYYYYYYYYYYYYYYY
Private Lender DC DE MA MD NC NJ N Y SC VA V T Direct lender. Hard money, bridge, mezzanine and foreign national. Ability to close in 2 weeks.
F.E. Forbes Company Inc.
2M 70 5YYYYYY Y Y Y Y Y YY YYY Y Y
Direct Lender CA Direct lender. Commercial & residential property types considered. Fast common-sense underwriting & funding. Loan sizes available from $50K-$2M. Broker friendly.
Fidelity Bancorp Funding
5M 80 YYYYY YYYY Y YYYY Y Y
Direct Lender NATIONWIDE One signature for quick approvals. Bank pricing, broker friendly. fbfloans.com offers 3 easy steps to submit. Complex clients welcome. You'll enjoy our full-service platform.
Companies bearing the Proven Direct Lender designation have undergone a reasonable verification process to confirm the lender’s direct-lending capabilities. Scotsman Guide Media does not assume any obligation or liability for this designation. The inclusion of the Proven Direct
Lender designation is a paid advertisement and should not be construed as a recommendation or endorsement by Scotsman Guide Media.
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Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production cycle and dynamic nature of the industry, loan product
terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program details. If you believe data is inaccurate or misrepresented, please e-mail: firstname.lastname@example.org.
PROPERTY TYPES LOAN T YPE / PURPOSE / PARAMETERS LOAN LIMITS
Hard money lenders generally give more
consideration to the value of a property/
collateral than to debt-service-coverage ratios.
Loan-to-value ratios are usually less than
75 percent. These lenders specialize in unique,
hard-to-find loans and sometimes are known
as private, equity or portfolio lenders.
They often can do fast closings.
maximum loan size
may not apply to all
property types and/
or in all regions and
is subject to change
2 Rate and term refinance
3 Cash-out refinance
4 Acquisition and
5 Bridge loans
6 Blanket loans
7 Balloon payments only;
no periodic payments
8 Second mortgages
10 Notes purchased
11 Joint ventures
trusts and legal entities
14 Foreign nationals: no
16 Churches, temples, synagogues
17 Land (bare, commercial, lot,
18 Automotive (no gas, body shop,
19 Retail (shops; strip malls;
20 Entertainment (nightclubs, bars,
21 Gas stations (w/wo c-store)
22 Leisure (golf course, marina,
23 Hospitality (hotels, motels,
24 Industrial (manufacturing,
25 Mixed-use properties
26 Office (building, condo,
27 Ranches and farms:
28 Residential investment