Specialty Products

Hard Money Loans

GCFS Hard Money Loans

 

Hard money lines of credit provide fast, asset-based financing for real estate investors and business owners who need quick access to capital. Unlike traditional loans, hard money financing is based on the value of the property or asset rather than the borrower’s credit score. This makes it an ideal solution for those looking to purchase, renovate, or refinance investment properties, especially when conventional financing isn’t an option.

At GC Funding Solutions, our hard money lines offer flexible terms and expedited approvals, ensuring you get the funds you need when you need them. Whether you’re a fix-and-flip investor, landlord, or developer, our network of lenders provides tailored financing to help you seize opportunities and grow your portfolio. With competitive rates and minimal requirements, hard money lines give you the financial agility to act fast in today’s real estate market.

Typical Lending Criteria

  • Min./Max. Loan Considered: $50,000 – $100,000,000
  • Project Type: All property types considered, excluding construction loans. Rehab/Renovation Loans are acceptable.
  • Region: National
  • Collateral: First Mortgage on subject property and mortgage on additional collateral if necessary.

Typical Rate and Term

  • Interest Rates: 11% – 16%
  • Closing Points: 4% – 10% (depending on loan size and quality)
  • Commitment: Up to 1% with a minimum of $1,500 paid prior to commencement of due diligence.
  • Fee: Commitment fee credited against closing points.
  • Loan to Value Ratio: 50% – 65% (greater LTV’s will be considered on a case by case basis)
  • Term: 1-3 year interest only
  • Personal Guarantees: Normally required
  • Third Party Reports And Expenses: Borrower pays for third party reports including appraisals, environmental and engineering, if necessary; as well as closing costs and lenders legal.
  • Timing for closing: Can close in as little as 10 – 15 business days.

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