Commercial Hard Money Loans

Emergency Financing with Commercial Hard Money Loans

Quick and Creative Solutions for Urgent Financing Needs

Any

Minimum Credit Score

Not Required

Maximum Debt To Income

65%

Maximum Loan To Value

No Max

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage understands the challenges and opportunities that come with seeking commercial hard money loans. While it’s true that the market has a wide array of private money lenders, it’s essential to navigate these options carefully to avoid those with less-than-favorable practices. Here’s how Innovative Mortgage approaches commercial hard money lending:

Focus on Credibility: We prioritize working with reputable institutional investors over private money lenders who may charge excessive upfront fees and whose primary interest may revolve around these fees rather than closing your loan.
Better Terms and Speed: Our network consists of serious investors who are interested in creating income through successfully closing loans, which often results in better terms for you. They also tend to close faster thanks to a more standardized capital deployment process.
Lower Upfront Fees: We understand that upfront fees can be a burden; therefore, we make it a point to connect you with lenders offering lower upfront fees, ensuring a more cost-effective lending experience.
Personalized Analysis: When you bring your commercial real estate deal to us, we evaluate it as if we were the investors ourselves. This approach guarantees that we seek out the best financing options that suit your specific needs.
Extensive Lending Network: Our extensive lending network includes a variety of investors and institutions, allowing us to find the most advantageous financing for your project, whether that’s with private money lenders or more traditional financial institutions.

At Innovative Mortgage, we’re committed to transparency and integrity in all our lending practices. We work diligently to match you with the right investor who aligns with your financial goals and has a track record of trustworthy lending behaviors.

Finding Best-Fit Financing for Your Commercial Project:

If you’re exploring commercial hard money loans for your next project, reach out to Innovative Mortgage. Let us apply our expertise and resources to connect you with the optimal lending solution. Our goal is to provide you with financing that makes sense for your situation and advances your investment objectives.

Contact Innovative Mortgage today for a consultation. We’ll take the time to understand your commercial financing needs and leverage our network to find the best deal available, ensuring your project is set up for success from the start.

Pros of Commercial Hard Money Loans

Quick Financing

These loans are designed for fast acquisition or cash-out needs.

Focus on Property Value

We don't look at credit, only the value of the property.

Creative Structures

Options like cross-collateralization allow for innovative financing structures.

Cons of Commercial Hard Money Loans

Higher Interest Rates

Hard money loans typically come with higher interest rates than conventional loans.

Shorter Repayment Terms

These loans are meant to be short-term solutions, so repayment terms can be shorter.

Key Issues That Will Get Early Attention

Assess Property Value

We'll work with you to determine the quick sale value of your property, which is crucial for this type of loan.

Understand Loan Structure

Our experts will help you understand the structure of your loan, including any creative financing options.

Plan for Repayment

With shorter repayment terms, we'll help you make a plan to ensure you can comfortably repay your loan.

Discuss Emergency Strategy

We'll discuss your overall strategy for using this emergency financing to ensure it's the best fit for your situation.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.