Commercial Hard Money Loans – Fast Private Financing from HMLS

Why Choose HMLS for Commercial Hard Money Loans

Commercial deals are rarely simple—and that’s exactly where HMLS excels. Instead of rigid underwriting and long approval timelines, we focus on what matters most: property value, equity, and exit strategy. We’re a direct private lender, not a bank and not a broker—meaning faster decisions, fewer conditions, and financing built around real-world commercial deals.

Here are the terms we can offer you:

• Loan Amounts: $100,000 – $100 million+
• LTV: Up to 65% (as-is value or purchase price, whichever is lower)
• Rates: Competitive hard money pricing
• Terms: Short- to medium-term options available
• Amortization: Interest-only structures available
• Closing Speed: Typically 1–2 weeks
• Property Types: Office, retail, multifamily, mixed-use, industrial, hospitality
• Credit Flexible: Asset-based underwriting
• Nationwide Lending: Strong Florida market expertise

Start your application today and secure commercial funding on your timeline.

Commercial Property Types We Finance

HMLS provides commercial hard money loans across a broad range of property types, including:

1. Multifamily properties (5+ units)
2. Office buildings
3. Retail centers and storefronts
4. Mixed-use properties
5. Industrial and warehouse assets
6. Hospitality properties
7. Special-use commercial real estate

Whether the property is stabilized, value-add, or distressed, HMLS structures financing that aligns with your business plan.

HMLS funds commercial hard money loans nationwide, with a strong presence in Florida—one of the most active commercial real estate markets in the country.

From Miami and West Palm Beach to Tampa, Orlando, and Jacksonville, Florida investors rely on HMLS for fast closings and flexible structures in competitive environments.

How the HMLS Commercial Loan Process Works

Our streamlined process removes friction and keeps commercial transactions moving.

1. You start by submitting a brief application that includes basic details about the property, purchase price or payoff amount, and your intended exit strategy.
2. Our team reviews the property and equity position to evaluate value, loan-to-value, and overall deal feasibility.
3. You receive clear loan terms upfront, outlining the structure, timeline, and requirements without unnecessary conditions.
4. The loan moves to closing quickly, with most commercial hard money loans funded within 1–2 weeks once documentation is complete.
5. You execute your investment or business plan, using the financing to acquire, refinance, or reposition the commercial property as intended.

What Is a Commercial Hard Money Loan?

A commercial hard money loan is a short-term, asset-based loan secured by commercial real estate. Unlike traditional commercial mortgages, which rely heavily on borrower income, financial statements, and lengthy underwriting, hard money loans are approved primarily based on the value of the property and available equity.

These loans are typically used when speed, flexibility, or property conditions make bank financing impractical. Because underwriting focuses on the asset rather than the borrower’s financial profile, commercial hard money loans can be especially useful for properties that are transitional, underperforming, or require repositioning before long-term financing becomes viable.

Commercial hard money financing is commonly structured with shorter terms and flexible repayment options, allowing borrowers to execute a defined exit strategy—such as refinancing, selling the property, or stabilizing operations—within a relatively short timeframe. When used strategically, a commercial hard money loan provides fast access to capital while giving investors and developers the time needed to improve or reposition a property without sacrificing opportunity due to financing delays.

Commercial Hard Money Loans for Investors and Developers

For investors and developers, speed and certainty are often more valuable than rate alone. Commercial hard money loans provide the flexibility needed to acquire, improve, or reposition properties without waiting months for bank approvals.

HMLS commercial financing is commonly used for:

• Acquisition of commercial real estate
• Refinancing existing commercial debt
• Value-add or repositioning projects
• Bridge financing while securing long-term debt
• Purchasing REOs or distressed commercial assets

Because we evaluate the deal holistically—including market conditions and exit strategy—HMLS can often approve transactions that traditional lenders decline.

Commercial Hard Money Loans vs. Traditional Commercial Financing

Traditional commercial financing is typically designed for stabilized properties and borrowers who meet strict financial and documentation requirements. While bank loans may offer lower interest rates, they often involve long approval timelines, extensive underwriting, and limited flexibility—making them difficult to use for time-sensitive or transitional commercial deals.

Commercial hard money loans take a different approach by focusing on the value of the property and the borrower’s exit strategy rather than rigid financial criteria. This allows investors and developers to move quickly on acquisitions, refinances, or value-add projects when speed and execution are critical. The comparison below highlights how these two financing options differ in practice.

When speed, flexibility, or execution certainty matter, commercial hard money financing often provides a decisive advantage.