What if the business will occupy the property?

Our lending partners typically require non-owner occupied / business-purpose use. If the property will be owner-occupied as a primary residence, we cannot help. If it's commercial or investment real estate used in the business (e.g., warehouse, rental), we may be able to help—submit your deal for review.

What are typical terms for business acquisition real estate loans?

Terms align with other hard money: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan bridges the acquisition; refinancing into a conventional or commercial loan is a common exit.

What if the business will occupy the property?

Our lending partners typically require non-owner occupied / business-purpose use. If the property will be owner-occupied as a primary residence, we cannot help. If it's commercial or investment real estate used in the business (e.g., warehouse, rental), we may be able to help—submit your deal for review.

What are typical terms for business acquisition real estate loans?

Terms align with other hard money: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan bridges the acquisition; refinancing into a conventional or commercial loan is a common exit.

Hard Money Loan Scenarios

Business Acquisition

Hard money financing when real estate is part of a business acquisition. Fast funding for owner-occupied commercial or investment property tied to buying a business. Learn how asset-based loans can close in 7–10 business days.

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How Hard Money Fits This Situation

When you're buying a business and real estate is part of the deal, traditional lenders can be slow or inflexible. Hard money loans can provide short-term financing secured by the real estate so the acquisition can close on time.

Our lending partners evaluate the property's value and your exit strategy—often refinancing into a conventional or commercial loan after the business and real estate are under your control. The property must be non-owner occupied (investment or business-purpose). If the numbers and structure work, many of our investors will fund business acquisition real estate.

Funding in 7–10 business days is common for qualifying deals. We focus on the real estate collateral and exit plan; we do not underwrite the operating business itself.

Why Consider Hard Money

Fast closing so business acquisitions involving real estate can stay on schedule
Loan secured by the real estate; exit often a refinance after acquisition
Property must be non-owner occupied / business-purpose
We underwrite the real estate and exit; business operations are not our focus
Typical terms: 6–12 months, interest-only, 65–75% LTV

Investment properties only • Non-owner occupied • Business-purpose lending

Our lending partners fund investment real estate only. The property must be non-owner occupied (or you must be willing to move out / have a clear exit). We do not finance primary residences.

Frequently Asked Questions: Business Acquisition

Yes, when the real estate is investment or business-purpose (non-owner occupied) and the deal makes sense. The loan is secured by the property. We evaluate the real estate and your exit strategy; the operating business is not what we underwrite.