Hard money loans that close
when your deal can’t wait.
UFIG originates commercial hard money loans from $1M with closings in as few as 10 business days. Asset-based underwriting. Non-recourse options available. All commercial property types. Nationwide coverage. One loan officer from first call to funding.
Speed. Flexibility.
Your deal, funded fast.
Watch how UFIG evaluates and funds commercial hard money loans — from first call to closing. Asset-based underwriting means we focus on the property and the exit strategy, not a credit score checklist.
Talk to a Hard Money Specialist
Why borrowers and brokers choose UFIG
for commercial hard money financing
Close in 10 Business Days
When the deal window is short — auction buys, maturing payoffs, motivated sellers — UFIG delivers hard money funding at the speed your transaction demands.
The Property Drives the Deal
Hard money underwriting at UFIG is asset-focused. We evaluate the property, the business plan, and the exit strategy — not just your credit score or tax returns.
Creative Loan Structures
Interest-only payments, ARV-based lending, non-recourse options, and custom terms designed around your specific hard money financing scenario.
Bridge to Permanent
UFIG doesn’t just provide the hard money loan — we help you plan and execute the refinance into permanent financing once the property is stabilized.
Commercial Hard Money Loans —
Terms & Details
UFIG originates hard money loans with structures built around your deal — not a cookie-cutter template. Every hard money financing scenario is evaluated on its own merits.
Hard money loans for
every commercial asset class
UFIG provides hard money financing for a full range of commercial real estate — from stabilized properties to distressed assets, value-add projects, and ground-up development.
Hard Money Loan Rate Ranges
Rates are indicative and subject to underwriting. View today’s commercial loan rates or call for a custom hard money loan quote.
A hard money loan is not for every deal —
but when speed and flexibility matter, nothing else comes close.
Borrowers turn to UFIG for hard money financing when conventional lending timelines, underwriting requirements, or property conditions make traditional banks impractical.
⏱ Time-Sensitive Acquisitions
A bank takes 45–90 days. UFIG can close a hard money loan in 10 business days. When the deal window is short — auction properties, motivated sellers, foreclosure buyouts — hard money wins.
🔧 Value-Add & Rehab Projects
Banks won’t lend on distressed or vacant properties. Hard money lenders underwrite to After Repair Value (ARV), allowing investors to acquire and renovate before refinancing into permanent financing.
📋 Credit or Income Challenges
If your credit score, tax returns, or income documentation don’t meet conventional standards, hard money focuses on the asset and exit strategy — not your personal financials.
🔄 Bridge to Permanent Financing
Stabilizing a property before qualifying for conventional rates? Use a hard money loan to bridge the gap, then refinance once occupancy, cash flow, and property condition are established.
⚠️ Maturing Loans & Payoffs
Facing a balloon payment or maturity default? UFIG can step in quickly with a hard money loan to pay off the existing lender and give you time to stabilize, sell, or arrange long-term financing.
🏗️ Non-Conventional Properties
Entertainment centers, religious facilities, marinas, parking structures, and special-use properties are often declined by banks. UFIG has private lending relationships for non-standard hard money deals.
UFIG doesn’t just provide the loan.
We help you plan the exit.
A hard money loan is a short-term instrument. The exit strategy — whether it’s a sale, a refinance, or a bridge-to-permanent program — is where the real value lives. UFIG manages both sides of the transaction.
- Hard money loan structured with the permanent refinance already in mind
- UFIG identifies the permanent lender before the hard money loan closes
- One loan officer manages both the hard money phase and the transition
- No prepayment penalty — refinance when the property is ready, not when a calendar says so
- SBA, conventional, CMBS, and agency permanent financing options through UFIG’s capital network
Hard Money vs. Bridge Loan vs. Conventional:
Which is right for your deal?
| Factor | Hard Money | Bridge Loan | Conventional |
|---|---|---|---|
| Closing Speed | 7–10 business days | 7–21 days | 30–90 days |
| Property Condition | Distressed, vacant, non-stabilized | Transitional / value-add | Stabilized only |
| Credit Requirements | Flexible — asset focused | Moderate | Strict (680+ typical) |
| Rates | 7.99%–13%+ | 7.5%–12%+ | 5.5%–8%+ |
| Loan Term | 6–36 months | 12–36 months | 5–30 years |
| LTV | Up to 80% (ARV or purchase) | Up to 85% | Up to 75–80% |
| Income Documentation | Minimal / asset-based | Light documentation | Full documentation |
| Best For | Speed, distressed assets, credit challenges | Transitional properties | Stabilized, long-term holds |
Our Simple 4-Step Process
Submit Your Deal
Complete the short form or call (888) 556-4029. A hard money specialist reviews your scenario within hours.
Receive Your Proposal
Dedicated loan officer delivers a personalized hard money loan quote — typically within 24 hours.
Underwriting & Approval
Streamlined, asset-based underwriting. Fast decisions and clear communication every step of the way.
Close & Fund
Close in as little as 10 business days. Funds wired directly to your title company.
Hard Money Loan FAQ
A hard money loan is a short-term, asset-based commercial loan secured by real estate. Unlike conventional bank loans that rely heavily on credit scores, income documentation, and lengthy underwriting, hard money loans are underwritten primarily on the value of the collateral property and the borrower’s exit strategy. UFIG originates commercial hard money loans starting at $1 million for all commercial property types nationwide.
Qualified commercial hard money loans can close in as little as 10 business days. Most transactions close within 10–21 days — significantly faster than traditional bank financing, which typically takes 45–90 days. Our dedicated loan officer and streamlined asset-based underwriting process make this speed possible.
Hard money loans and bridge loans are both short-term commercial financing tools, but they serve different situations. Hard money loans are typically asset-based with more flexible credit requirements and can fund distressed, vacant, or non-stabilized properties. Bridge loans generally require the property to be transitional or partially stabilized. UFIG originates both — and helps borrowers determine which product fits their deal.
No. While credit is reviewed as part of the overall picture, hard money lending at UFIG is primarily asset-focused. We evaluate the property value, the borrower’s equity position, and the exit strategy. Borrowers with credit challenges, limited income documentation, or non-standard financial profiles regularly qualify for UFIG hard money loans.
Yes. UFIG offers both non-recourse and full-recourse hard money loan structures. Non-recourse options are available for well-qualified borrowers with strong property profiles, allowing borrowers to limit personal liability. Availability depends on property type, LTV, and overall deal strength.
Most borrowers either refinance into permanent financing or sell the property. UFIG plans the exit strategy before the hard money loan closes — identifying permanent lending options through our capital network so the transition is seamless. With no or low prepayment penalties, you refinance when the deal is ready, not when a calendar forces it.
UFIG hard money loans cover all commercial property types: multifamily, retail, office, industrial, hotel, self-storage, mixed-use, land, development, assisted living, condo conversion, and special-use properties. We also finance properties that conventional lenders decline — distressed assets, vacant buildings, and non-income-producing properties.
ARV stands for After Repair Value — the estimated value of a property after renovations are completed. ARV-based hard money lending allows investors to borrow against the future value of the property, not just the current as-is condition. This enables borrowers to fund both the acquisition and the renovation with a single hard money loan from UFIG.
What Our Hard Money Clients Say
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.— 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.— 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.— 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. When I refer UFIG, I know my reputation is in good hands.— L. Gonzalez, Commercial Broker, Fort Lauderdale, FL
Your deal deserves a hard money lender
who closes — not one who quotes and disappears.
Call during business hours to speak directly with an experienced hard money loan specialist, or submit your deal for review. UFIG evaluates every file with institutional discipline and closes with private-capital speed.
Tell Us About
Your Deal.
- Response within 24 hours — often same day
- Asset-based underwriting — not a credit score checklist
- One loan officer from first call through closing
- Non-recourse hard money options available
- If we can’t fund it directly, our Capital Markets Division places it