Commercial Hard Money Loans

Below are our guidelines for commercial hard money loans.  We make loans secured by all types of commercial real estate (industrial, office, retail, mixed-use, apartment projects).



  • Commercial Hard Money LoansCommercial Building

    $150,000 to $2,000,000.

  • Property Location

    We focus on property located along the Front Range of Colorado, from Fort Collins to Colorado Springs. (See FAQ below.)

  • LTV (Loan to Value)

    Our loan amount will be no more than 60-70% of the property value today.

  • Loan Term

    We're flexible, however the term will generally not be longer than 2 years.

  • Interest Rate

    Our interest rate can be as low as 8%, depending on the property, the location, the LTV, maturity date and the borrower. Borrower makes monthly,interest-only payments.

  • Prepayment Penalty

    None.  You may prepay your hard money loan from us at any time, without penalty.

  • Origination Fee (Points)

    Origination fee is typically 2-4, points.  This fee is dependent on the borrower, property, location, loan term, etc.

  • Application FeeNo Hidden Fees


  • Appraisal Fee

    An appraisal may be required, but not always.

  • Inspection Fee

    An inspection fee may be required, but not usually

  • Timing

    If there are not any major issues, 2-4 weeks is generally more than enough time to gather the information needed, inspect the property and schedule a closing with a title company.




  1. Will you allow subordinate financing?

    Yes, we will allow a second lien position behind our first lien position.

  2. Will you make a commercial real hard money loan secured by real estate not located along the Front Range?

    Yes.  We will consider making a hard money loan elsewhere in Colorado, and have done so.  However, depending on the location, you may incur additional expenses, including, but not limited to, an inspection fee and an appraisal fee.

  3. Can I qualify for a loan if my credit history doesn't look stellar?

    Yes.  While we will pull your credit report and examine additional financial information, our decision to make the loan will be based primarily on an inspection of the property itself, our opinion of the value of the property and your exit strategy.  We understand that bad things can happen to good people.

  4. Will you extend my commercial hard money loan if I reach the maturity date and have been unable to get the property sold?

    Most likely, yes, provided you have made your payments on time, are not in default on any other loan provisions and the project fundamentals are substantially the same as those at the time the loan was originated.  Our loan documents contain an extension provision.

  5. Will you allow a cash-out refinance?

    Yes, after closing a commercial hard money loan, we will allow you to walk away from the closing table with cash in your pocket if our underwriting justifies a loan amount larger than that needed to pay off an existing loan(s).