HARD MONEY · ALL 50 STATES
Commercial Hard Money Loans Nationwide
Asset-based commercial hard money when speed and transitional risk matter—typically from about $1,000,000. Texas-based Expo Lending, all 50 states. Subject to underwriting.
Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Send the property, as-is/ARV context, and exit.
Commercial hard money is short-term, primarily asset-based financing secured by commercial real estate. It can help when timing, property condition, documentation, or transitional risk does not fit a conventional bank box. Expo Lending works qualifying commercial hard money requests in all 50 states. Programs commonly start around $1,000,000, subject to underwriting.
How Hard Money Is Typically Sized
- Often roughly 60–75% of as-is value on purchase or refinance
- With a renovation plan, leverage may be based in part on after-repair value (ARV)—commonly up to about 80% of ARV on fitting files
- Plan on meaningful equity from cash, existing equity, or secondary collateral
- Origination points and third-party costs (valuation, title, legal) are typical—quoted per deal
Hard Money vs. Bridge vs. Permanent
Hard money emphasizes asset value, equity, and exit—often with more flexible credit documentation than bank debt. Commercial bridge is also short-term but frequently used for near-stabilized or institutional transitional plans. Permanent debt ( CRE, multifamily, SBA) fits longer holds once cash flow and occupancy support it.
Property Types
Multifamily 5+, retail, office, industrial, hotel, self-storage, mixed-use, land/development (usually lower leverage), assisted living, condo conversion, and many special-use assets may be considered when value and exit support the request—subject to underwriting.
Exit Planning
Most borrowers refinance to permanent debt or sell. We discuss the takeout path before you rely on short-term capital. Expo Lending has completed hundreds of successful closings across purchase and refinance scenarios.
Subject to underwriting: Interest rates, points, LTV/ARV caps, and recourse vary widely. Credit is reviewed as part of the overall picture but is not the only lens.
Hard Money FAQs
What is the minimum hard money loan?
Commercial hard money programs we work with commonly start around $1,000,000—subject to underwriting.
How quickly can hard money close?
Some files may close in roughly 10 business days when diligence is ready; many close within a few weeks. Timing is deal-specific.
Do I need perfect credit?
Credit is reviewed, but hard money is primarily asset-focused. Challenges that stop a bank may still be workable if equity, value, and exit are sound—subject to underwriting.
What leverage should I expect?
Many structures land around 60–75% of as-is value, or higher against ARV when a renovation budget is included. Exact leverage is subject to underwriting.
Is this available nationwide?
Yes. Expo Lending is Texas-based and may assist with qualifying commercial hard money in all 50 states, subject to underwriting.
Mon–Fri 9 AM–6 PM Central · Nationwide business-purpose lending
Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Commercial and business-purpose loan programs, guidelines, amounts, and availability vary by state and underwriting. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.
