Hard money loans
Available Nationwide

Small hard money loans for purchase, construction, rehab, all property types

  • Loan Size: $150,000 to $50,000,000
  • Servicing: Nationwide
  • All Commercial Properties Including Multi Family & Mixed-Use
  • Interest rate: 8%-12%
  • Closing points: 3%-6%
  • 1st & 2nd Trust Deeds
  • Competitive Interest Rates & Fees
  • Up to 80% LTV on Commercial Purchases
  • Up to 90% LTV on Commercial Refinances
  • Up to 90% on construction projects
  • Dedicated Commercial Finance Advisor
  • Closings in as Quick as 15 Business Days
  • No Up-Front Origination Fees-only third party fee
  • Credit Issues Unimportant

Best Commercial Hard Money Deal! ” Commercial Hard Money 6% Fixed, Non-Recourse $300,000,000 Available *New Private Lender*
No Pre-Payment, (after 5 years) 2-30 years “low due Diligence Fees” Our Private Lender Requires a 1.5% – 3.0% Down Payment Only, after Approval and Signing of Final Loan Agreement. 
Term sheet within 72 hours.
Loan to value: 75%

 Some collateral types that we are interested in:

  • Multi-family Apartments
  • Industrial Properties
  • Grocery Anchored Retail
  • Mixed Use Shopping Centers
  • Hospitality Properties
  • (Flagged and non-flagged)
  • Office Building
  • Medical Office
  • Student Housing
  • Warehouses/Distribution/Flex
  • Parking Garage
  • Self Storage
  • Condo Unit Inventory Loans
  • Single Tenant + Owner/user
  • Mobile Home Parks
  • Assisted Living

How it works (Nationwide)

  1. Apply Online
    It takes less than 10 minutes to complete our simple, online loan application in order to get the answers you need. You can submit executive summary, 3 years financials, resume, third party reports, construction budget if applicable, exit plan to newloans@americapdirect.net NO UPFRONT FEES!
  2. Review file within 24 hours
    Within 24 hours of receipt of your loan application, we will provide you our feedback regarding the requirements to qualify your file and the scope of work required for a Lender approval. We will secure up to 2 written offers disclosing all terms in a clear, easy to understand manner. Our work contract and fee agreement issued for services.
  3. Underwriting
    Our team will work directly with our Lender's Underwriter to ensure all requirements are completed within days, not weeks. Lender opens escrow account and borrower complete the deposits for third party reports and closing cost if applicable.
  4. Lender Fund
    In a matter of weeks, not months like most lenders, the loan is funded through escrow and funds wired to you directly. Americap Direct is paid directly from loan proceeds and borrower makes monthly payments to Lender via mail, phone or direct deposit. It’s that easy.
Why Hard Money Loan?
We are here to help fulfill a major need for our clients.  There are many borrowers who are unable to get a loan from a bank and don’t know where to find the funds they need to accomplish their goals.  Many are unaware of what a hard money loan is and how to go about finding one.   With over 200 Hard money lenders, our long term releationship allows AMD to negotiate the best terms for your Porject.  We take great pride in educating our clients about what hard money loans are and why they fill a great need for many individuals, families and businesses.  Americap Direct believes it is paramount that we take the time to listen to our clients and find the right solution.  Our simple, straight-forward hard money loan process allows our clients to speak directly to a decision maker and not have to worry about a long, invasive process.  We encourage of our clients to pick up the phone, email or chat with us so we can help.
Find out why thousands of satisfied clients choose us for their hard money loan needs.
Hard money vs. Bank loan
Hard money loans are high risk for the Lender and generally with high rates, and closing cost, with typically 70% loan to value. Hard money loans are not credit score driven, and will allow sub-prime credit and lack of income. Bank loans are conventional in nature, with lower rates, longer terms, lower risk and more red tape.
Fix and Flip and Rehab
For all aspects of commercial rehabilitation financing imoneyloan is the best in class source for construction, development, residential investment property and commercial building rehab. Whether you need fast financing for a residential house fix and flip or a large-scale development loan for a commercial real estate rehab project we have the private cash to get the job done. Up to 80% of the completed value or 75% LTC, All commercial properties, rates start at 8.99%. fast closing.
The term “hard money” is used in conjunction with a loan which is “hard to get” from a traditional lending source, such as a bank.  The term also comes from the asset pledged as collateral in return for the loan. When you pledge the asset as collateral, the asset goes “hard” as collateral against the loan.

Hard money Loans and commercial loans 101 overview vedio: 
What if I have poor credit or a past bankruptcy?

Because we are a hard money lender that focuses mainly on the equity in the property to secure the  loan, we are able to look beyond borrower past circumstances.  We will make every attempt to structure a hard money loan that works for you to ensure you get the funding you need at the best terms possible.