Hard money loans are asset-based financing arrangements traditionally secured by the value of real estate properties, prioritizing the property’s equity over the borrower’s creditworthiness. Historically associated with distressed situations, the term “hard money” has evolved. In contemporary usage, it typically denotes non-bank, non-traditional private lending institutions. These entities extend loans to real estate investors, considering a combination of factors such as creditworthiness, experience, and, critically, the economic viability of the property and the investment strategy.

Financing Growth operates as a commercial lender, specializing in loans designed for business purposes rather than individual or personal interests. It’s important to note that we do not offer funding for the acquisition of owner-occupied residential properties.

Certainly! We offer financing options for foreign investors with a green card under both our short-term and long-term programs. A comprehensive US credit profile can often result in no impact on leverage and pricing. However, in cases of limited credit history, adjustments to leverage and pricing may apply.

Our loans are asset-based, meaning the primary security for the loan is the real estate collateral. While the borrower’s credit score is considered during the underwriting process, our bridge programs generally require a credit score of 620 or higher, and our long-term loan programs typically necessitate a credit score of 660 or higher. If your credit score falls below our specified guidelines, you have the option to collaborate with a partner, who would then need to be included in the loan to meet the qualification criteria.

Financing Growth has the capability to extend lending services to a majority of U.S. states, excluding Alaska, North Dakota, South Dakota, Vermont, and West Virginia.