Fast, Flexible Hard Money Loans for Commercial Real Estate

At United Financial Insurance Group (UFIG), we specialize in commercial hard money loans and real estate bridge financing designed for speed and flexibility. Whether you need to close fast on an investment property, refinance a maturing loan, or unlock equity for a value-add project, our private lending solutions deliver. UFIG offers non-bank financing nationwide for multifamily, retail, hospitality, and other commercial property types.

Bridge the Gap with a Short-Term Hard Money Loan

UFIG Providing Commercial Hard Money Loans

UFIG Providing Commercial Hard Money Loans

Helping Brokers & Borrowers Secure Funding Nationwide

(888) 556-4029
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Hard Money Loans Available for a Wide Range of CRE Assets

UFIG provides fast and flexible hard money loans for a broad range of commercial properties — from stabilized assets to value-add and ground-up opportunities.

🏢 Multifamily & Residential

Garden Apartments
High-Rise/Residential Towers
Residential Condominium
Assisted Living Facilities
Conversion Rehab

🏬 Retail & Hospitality

Mixed-Use
Retail
Motel/Hotel
Large Retail Power Centers
Office

🛠 Special Use / Development

Land
Self-Storage Facilities
Industrial
Warehouse
And more…

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Why Borrowers and Brokers Choose UFIG
for Hard Money Loans

✅ Close in as little as 10 business days — sometimes even faster

✅ Rates starting at 7.99% on qualified deals

✅ Up to 80% LTV — based on purchase or ARV

✅ No or low prepayment penalties on most loans

✅ Fixed terms up to 36 months for predictability

✅ Flexible payment options — interest-only or amortized

✅ Potential for non-recourse structures on qualified deals

✅ Financing for non-traditional or unique property types

✅ Rehab and value-add friendly — ARV-based lending available

✅ Fast decisions, hands-on underwriting — dealmakers, not box-checkers

Ready to Move Forward?

Our experienced loan officers are ready to review your deal today.

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Frequently Asked Questions

How quickly can a Hard Money Loan close?

Hard Money loans can close in as little as 10 business days — sometimes faster depending on the deal. Timeline depends on the property type, title, and how ready the borrower is. Call us and we’ll walk you through your specific situation.

Why would I choose a Hard Money Loan over a bank loan?

Hard Money is ideal when speed is critical or the property isn’t stabilized. It works well for:

Fix & flip or rehab projects using ARV (After Repair Value)
Quick closings where timing beats rate
Borrowers who don’t meet traditional underwriting requirements

What do I need to qualify for a Hard Money Loan?

Most hard money lenders look at the asset, not just the borrower. At UFIG, we consider:

Sufficient equity or down payment
A clear exit strategy (sale or refi)
A realistic plan to stabilize or improve the asset

Our experienced loan officers work with you to improve terms by helping refine your deal structure.

Do I need perfect credit to get approved?

Not at all. While credit is reviewed, our focus is on the property and your business plan. We regularly fund deals for borrowers with less-than-perfect credit.

What happens at the end of the Hard Money loan term?

You’ll typically refinance into a long-term loan or sell the property. Our team helps ensure you’re positioned for your next step — whether that’s a bank refinance or a sale to cash out.

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UFIG Hard Money Loan Snapshot

Loan Amounts	$1,000,000 to $45,000,000+
Rates	Starting at 7.99% (deal dependent)
LTV	Up to 80% (based on purchase or ARV)
Loan Terms	6 to 36 months
Prepayment Penalty	None or low, depending on loan structure
Property Types	Multifamily, Retail, Office, Mixed-Use, Industrial, Hotels, Self-Storage, Land
Credit Requirements	Flexible — deal focused, not score focused

Client Success Stories

“Securing financing for my 10-store mixed-use office building in the heart of Manhattan was no small feat, but United Financial made it happen with a $15 million hard money loan. Their team was responsive and tailored the deal to fit the fast-paced NYC market. I was impressed by their efficiency and expertise, which gave me the confidence to push this ambitious project forward.”

— Dr. Dean Howard, Manhattan, NY

“Launching a family entertainment center in Dallas required quick and flexible funding, and United Financial delivered with a $7 million hard money loan. Their straightforward process and understanding of my timeline took a huge weight off my shoulders. Thanks to them, I could focus on building a space that families in Texas will love.”

— Peter W., Dallas, TX

“Upgrading my Holiday Inn in Hagerstown with a conversion and PIP demanded a solid financial partner, and United Financial provided just that with a $10.5 million hard money loan. They worked closely with me to meet the specific needs of the renovation, ensuring a smooth process from start to finish. It’s rare to find such reliable support in this industry.”

— Sam Patel, Hagerstown, MD

“I’ve worked with dozens of lenders and capital providers over the years, and United Financial stands out as a true partner. They’ve provided multiple hard money deals for my clients — always fast, always professional. Their communication is top-notch, and they actually know how to structure a loan to close, not just quote and disappear. When I refer UFIG, I know my reputation is in good hands.”

— L. Gonzalez, Commercial Broker, Fort Lauderdale, FL

Let’s Talk About Your Deal

Whether you’re buying, rehabbing, or refinancing — we’re here to help you close fast with flexible hard money solutions. Talk to a real loan officer today.

Request a Free Quote Call Now: (888) 556-4029