Loan Solutions

Hard Money Lenders New Jersey provides a wide range of direct private loans for a variety of purposes in New Jersey and New York. We take time to gain an understanding of your business model and provide financial solutions that help you grow your business. Our depth of knowledge and experience allow us to approve and fund loans the many others would not consider. As an asset-based lender, we can offer attractive loan terms regardless of your credit score or history

Acquisition Loans
Commercial Investors and Real Estate Professionals need to secure fast, hassle-free sources of capital to take advantage of investment opportunities as they become available.
Appropriate for: Property Acquisition, Property Purchase, Foreclosure Acquisition

Bridge Loans
Short-term loans used to purchase or refinance a property quickly in order to take advantage of a short-term opportunity, accommodate an urgent closing, or bridge the gap until permanent financing is available.
Appropriate for: Distressed Sales, Equity Buyouts, Mortgage Acquisitions, Foreclosure Sale, Short Sales, Lien Release, etc.

Cash Out Loans
When Real Estate Developers, Professionals or Investors need to free up capital for new opportunities, they come to Hard Money Lenders New Jersey for a Cash out Refinance Loan.
Appropriate for: Freeing up capital, exiting properties with equity available

Construction Loans
Our construction loan program is designed to provide a streamlined financing solution to build commercial apartment buildings, warehouse, office, retail, shopping center, and mixed use projects which are shovel ready.
Appropriate for: Builder or Developer capital, Startup Funds for New Construction, Unfinished Construction, Large Renovation, or Rehab projects

Fix and Flip Rehab Loans
Fix & Flip Loans are designed for real estate investors looking to acquire, renovate and resell properties within 6 to 12 months.
Appropriate for: Non-Owner-Occupied Property Renovation or Property Rehabilitation.

Loan Parameters
Amount: Loans from $250,000 and up.
Upfront fees: None
Appraisals: None
Loan to Value: Between 75% to 90% depending on the property
Interest Rates: Competitive. We offer the best loan rates in our area.
Term: one month to one-year loans with extension options (on a case-by-case basis)
Property Types Accepted: All types considered – multifamily, condominiums, office, mixed-use, retail, warehouse, industrial, hospitality, shopping centers, single family houses (non-owner occupied), rehab/flip opportunities and others.

• • Instant Decisions
• • Minimal Documentation
• • Loans are structured to fit the unique circumstances of each transaction.
• • Closings in as little as 7 days