Hard Money Commercial Loans

Yes! We lend on hard money commercial loans! Also have private money available. Contact us about your situation.

Commercial real estate provides income for the business. Financing to include the acquisition and development of the property is key to the success of the project.

KISS Capital is dedicated to providing the best rates and terms for funding on Commercial Investments through our Commercial Division. You can purchase 5 or more units with a minimum loan of $300,000. Our process is simple and we can help you get your loan fast to get your project going.

Purchase land or a new or existing commercial property.

Bank financing for commercial loans is challenging. We can show you the ropes for alternative financing that can make it happen. The benefits are fantastic and offer options to you.

This strategy is often the only way to get what you want! And we can make it happen.

Commercial loans typically range from five years to 20 years. But often the loan is amortized for a period longer than the loan, making the payments more affordable.

At the end of the loan, a balloon payment is due for the entire remaining balance of the loan.

How long a loan it is and the amortization period will affect the rate the lender charges.

The loan to value ratio is different on a commercial loan. The lender will calculate the LTV by dividing the amount of the loan by the lesser of the property's appraised value or purchase price.

The higher the loan to value, the more likely you are to get the financing you want. You have more to loose and more at risk in the eyes of the lender.

Hard Money commercial loans also have the aspect of the debt-service coverage ration which compares a property's annual net operating income to its annual mortgage debt service, which includes the principal and interest. All this will measure the property's ability to service its debt.

The interest rates on commercial loans are usually higher than residential. And they usually involve more expense to obtain because items like an appraisal will generally cost more.

When Should You Use Hard Money Commercial Loans?

  • You need fast funding for a foreclosure situation
  • You need a bridge loan, mezzanine financing, or a construction loan
  • You do not qualify for traditional financing
  • You have strong equity in your property and need cash

If you have a great deal, we can educate you on how to put together your package to increase the odds to get your loan approved.

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