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Bridge Loan & Hard Money Loans Texas

Commercial bridge hard money loan definition: A commercial bridge hard money loan is a short-term financing option used primarily in real estate transactions. It's typically sought when a borrower needs immediate capital to bridge a gap between the purchase of a property and securing long-term financing or selling the property.

Here's a breakdown of the key components:

  1. Commercial Nature: These loans are typically used for commercial real estate projects rather than residential properties. They may involve office buildings, retail spaces, multifamily housing, industrial properties, or other commercial ventures.

  2. Bridge Loan: It's a temporary loan that "bridges" the gap between the purchase of a property and securing permanent financing or selling the property. It provides the borrower with immediate funds to cover costs like purchasing a property, renovation, or other investment needs.

  3. Hard Money Loan: Hard money loans are provided by private investors or companies rather than traditional banks. They are called "hard money" because they are secured by the value of the property itself, rather than the borrower's creditworthiness or other assets. These loans typically have higher interest rates and shorter terms compared to traditional bank loans, making them suitable for short-term financing needs or when the borrower doesn't qualify for conventional financing.

  4. Short-term and High-interest Rates: Bridge hard money loans are usually short-term, ranging from a few months to a few years. The interest rates are higher compared to traditional loans, reflecting the higher risk for the lender and the short-term nature of the loan.

  5. Collateral: The property being purchased or renovated serves as collateral for the loan. If the borrower defaults, the lender can seize the property to recoup their investment.


Overall, commercial bridge hard money loans are used by real estate investors and developers who need quick financing for time-sensitive projects or when traditional financing options are not available. They offer flexibility and speed but come with higher costs and risks.

Bridge Loans - A bridge loan is a short-term, first  or second mortgage loan ( Mezzanine ) on commercial property and residential rental properties.The term could be from 6 months to 3 years. The interest rate on bridge loans is typically much higher than on permanent loans which can be from 6% to 12% and in most cases closes in 7 to 21 days.





If you have a loan that has been declined by traditional bank, please try it with us. 


Loan size:           -   From $100,000  to 275,000,000 million.


Property types:   -  All types considered

Terms:              -  1 to 3 year loans with extension options.

Interest rates:    -  From 6.9% to 12%     

Up to                -  75% LTV

Fees:                -  2% and up.


Uses of Proceeds: Acquisition, restructuring, discounted payoffs, purchase of notes, improvements and development.

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