Apartment building LoanHard Money Loan
Hard money loan is an alternative financing solution for real estate owners, developers and business owners. City Capital Finance arranges hard money and private money loan secured by any type of commercial and residential real estate in California with an emphasis on speed. We secure hard money loans that are uniquely structured to meet the needs of individual borrowers.

Hard Money loans are typically suited for opportunistic, undervalued, bad credit or other special situation where the borrower is short of time and capital or when the buyer needs to close the transaction in few days. Hard money lenders are more flexible and quicker than conventional lenders and their underwriting guidelines are less restrict and based mainly on asset or collateral.

City Capital Finance arranges hard money loans for purchase, construction, renovation, and foreclosure preventions for all types of commercial and residential real estate properties in California.

Hard Money Purchase (Acquisition) Loan

City Capital finance arranges hard money loan for acquisition of commercial and residential real estate in California. Private hard money loans are used as short term financing instrument if a borrower can't get financing from conventional bank or needs quick financing solution to purchase a property. Hard money loans allow low credit or no credit score, incomplete construction, fixer upper properties and so on - providing an opportunity for investors to take advantage of quick and flexible underwriting process to acquire new property.

Due to flexibility of the hard money lenders, City Capital Finance can structure creative financing options such as cross collaterization, equity participation and use of non-tangible assets.

Hard Money Acquisition Loan - Highlights
  • Loan from $500,000 and up
  • Owner occupied and investor properties
  • All types of credit - Bad Credit or No credit is OK
  • Asset based Hard Money Loan - Collateral based lending
  • No income documentation required


Hard Money Bridge Loan

Hard money bridge loan is a short term equity financing solution until the borrower secures a permanent financing or sell the property. Hard money bridge loans are typically utilized by investors, business owners or real estate developers to take advantage of timely real estate purchase or when the transaction doesn't fit into conventional lending standard.

City Capital Finance has relationship with several hard money bridge lenders and capital providers and can arrange short term financing solutions for acquisition, buy-outs, foreclosure preventions, and construction and rehabilitation projects for any property types in California.

Hard Money Bridge Loan - Highlights
  • Loan from $500,000 and up
  • Owner occupied and investor properties
  • All types of credit - Bad Credit or No credit is OK
  • Asset based Hard Money Bridge Loan - Collateral based bridge lending
  • No income documentation required
  • Quick approval and funding
Hard Money Construction Loan

Hard money construction loan is used for construction or development of properties or improvement/rehabilitation of real properties. Hard Money lenders consider the land and improvements as collateral of the loan and evaluate and finance a project based on the future value or potential of the property. While construction lending is done by banks, investment banks, pension funds and insurance companies, source of traditional construction lending have recently been limited due credit market. Therefore, a lot of developers and builders need to find alternative financing solutions for their projects and hard money construction loan and hard money rehab loan are suitable solutions

City Capital Finance arranges hard money construction loans and hard money rehab loans for new construction and development of any property and condominium conversion projects in California. City Capital Finance can also secure end of construction pay off loans for constructions that are near completion. We secure hard money financing to pay off the construction lender and complete the project. Developers can use the collateral of the completed construction or existing property to raise capital for next project.

City Capital Finance has relationship with several hard money construction lenders and can arrange hard money construction loan for development, new construction, rehabilitation and condominium conversion for any property type in California.

Hard Money Construction Loan - Highlights

  • Loan from $500,000 and up
  • Owner occupied and investor properties
  • All types of credit - Bad Credit or No credit is OK
  • Asset based Hard Money Loan-Collateral based bridge lending
  • Quick approval and funding
  • Pre-construction hard money bridge loan available
  • Strong sponsors required
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