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What is Hard Money?

Hard money is made available as privately-held funds provided in cash as private, unconventional loans. Hard money funds are not encumbered by extensive regulations or processes that are used by government-backed conventional loans, therefore, hard money loans are more attractive for financing that has to close quickly with few, if any obstacles.

Hard money loans can overcome problems that can delay needed funding and provide relatively fast exchange of funds.

How Are Hard Money Loans Available?

Hard money is provided by investors that are interested in leveraging real estate transactions that yield them a greater return for the use of their money than conventional forms of investing.

The investors are usually real estate savvy and enjoy the benefits of providing private funding with relatively small risks since the hard money transactions are sufficiently sheltered behind a tangible property and it’s equity.

The hard money exchange is a good investment move for both parties – the borrower enjoys fast turn-around that is wanted or needed for their business property needs and the investor enjoys a greater return for the use of his hard money loan.

Hard Money Loan Purposes

Acquisition loans, Bridge loans, Development loans, Gap financing, Interim financing, Mezzanine financing, Short-term credit resolution, Project rescue funds for emergency situations, Factoring of accounts receivable, Raw Land, Bridge Financing, Construction, Bankruptcy Discharge, Refinance, Equity Recapture, Pending Foreclosure, and Poor Credit / Late Pay etc. will be considered; after approval, fast funding in days, when needed, on any type of commercial real estate project; credit challenges not a problem, all requests will be considered.


Timing: Loan decisions can typically be made within 48 hours from the receipt of the required item Timing: Loan decisions can typically be made within 48 hours from the receipt of the required items and documentation needed  after loan approval and depending on the attorney’s time to draw up the loan agreement/contract, funding can occur within 3 to 7 days 

Loan Amount Range: $100K to $5M per project.

Terms: The funding parameters, specific terms, timing, and costs will be based on the business analysis and overall risk assessment and strength of the project and the Principals. Since our sources are very competitive, the Principals’ project will receive the rate and terms that it deserves.

BIHL offers some of the most favorable commercial loan terms in the industry. Our lending experts understand the importance of offering fair terms to our clients. Our customers can count on never having to face penalties for early loan repayment or hassle with “junk fees” or ridiculous terms. and see just how great our terms are. The application process is fast, easy, and – most important – free!  

Loan Term: 3 to 10 years
Maximum Loan to Value: Up to 70% in most cases.
Interest Rate Range: 8.00% – 15.00%.
Points: 2.5 – 5.0.
Interest Only Payments.
No Repayment Penalties