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
Post your loan: ScotsmanGuide.com/LoanPost Search matrix: ScotsmanGuide.com/comhardmoney
25M 80 3YYYYYYYYYYYYYYY YYY YYYYYY YYY
Correspondent NATIONWIDE except: DE HI ID MI ND NV SD VT WV W Y We are a nationwide, direct, small-balance commercial mortgage lender offering financing from $250K to $25M on commercial real estate.
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.
Direct Lending Partners
50M 80 2YYYYYY Y YYYYY Y YY Y
Direct Lender AL CO CT DC DE FL GA ID IL IN KS KY LA MD MO NC NE NJ OH OK PA RI SC VA WV DLP is a private lender with full discretionary capital providing fast closings and common-sense underwriting to residential and multifamily investors.
Ellis Equity Lenders
10M 60 2YYYYY YY YYYY Y Y Y Y Y
Direct Lender CO MT NM TX Bridge loans for raw land, farms and ranches. 2nd homes & resort property in CO and M T. Twenty years' experience, excellent reputation, quick response and brokers protected.
Equity Secured Capital
5M 80 3YYYYYYY YYY YYYYYYYY YYYYYY
Direct Lender TX Texas direct private lender. No prepayment penalty; close in 7-days; only 1% fee; property need not cash flow; stated income. Raw land, too! Hard money, soft terms.
Evergreen Private Finance
10M 70 5 YYYYYYYYYYYY YYYYYYYYYYYYYYYYY
Direct Lender DC DE MA MD NC NJ NY SC VA V T Direct lender. Hard money, bridge, mezzanine and foreign national. Ability to close in 2 weeks.
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.
Fidelity Mortgage Lenders Inc.
15M 60 20YYY YY YYYY YYY YYYY YYY
Direct Lender CA Equity-based loans on commercial-property value. Immediate decisions and fast funding. Long-term loans. No prepayment penalties.
Finance of America Commercial
10M 75 1 YYYYY YYYY Y
Direct Lender NATION WIDE except: AK ID ND RI SD U T V T Finance of America Commercial is dedicated to providing our clients with more buying power. Our financial strength and our experience give us the ability to deliver for you.
35M 75 30 YYYYYYYYYY YYYYYYYYYYYYYYYYYYY
Direct Lender NATION WIDE except: AK Direct lender. Funding 1st & 2nd position loans up to 75% LTV on multifamily, mixed-use & commercial properties. Rates 8.9% to 12%. No minimum DSCR. 50-year amortization.
5M 60 10YYY YY Y YYY YYYYYYYYYYYY YY
Correspondent TX Most commercial property types considered including land. BKs, foreclosures & discounted notes considered. Oil & gas royalty loans available.
Gamma Real Estate
250M 85 3YY YYY YYYYYYYY YYYYYYYYYYYYYY
Private Lender NATIONWIDE Real estate commercial lending since 1970. We provide speed and certainty of execution. Every loan is tailored to each individual borrower's needs.
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.
These companies are display advertisers with Scotsman Guide
Media. See the Display Advertiser Directory on Page 14 for more
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.
PROPER TY T YPES 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