Financing Solutions for Commercial Property Investors
Commercial real estate investment in Palm Beach County offers tremendous opportunities, but success often depends on access to quick, reliable funding. Our hard money loans for commercial investors are structured to address the specific challenges you face when acquiring income-producing properties. Unlike conventional lenders who require extensive documentation, personal guarantees, and lengthy approval processes, we evaluate loans based primarily on the property after-repair value (ARV) and the strength of your investment strategy.
We finance a wide range of commercial property types including office buildings, retail strip centers, standalone commercial structures, mixed-use developments, and industrial flex spaces. Our loan programs accommodate both acquisition-only scenarios and acquisition plus renovation funding, allowing you to purchase and improve properties with a single financing solution. Terms typically range from 6 to 24 months, providing ample time to execute your business plan, lease up vacancies, refinance with permanent financing, or sell for profit.
Our commercial lending team understands local market dynamics across Palm Beach County, from the high-end retail corridors of Palm Beach to the emerging commercial districts of Lake Worth and Boynton Beach. This regional expertise allows us to evaluate deals quickly and provide informed lending decisions that align with current market conditions.
- Loan amounts from $100,000 to $5,000,000 for commercial acquisitions
- Up to 75% loan-to-value (LTV) on stabilized commercial properties
- Interest-only payment options to maximize cash flow during repositioning
Commercial Property Types We Finance
Palm Beach County's diverse commercial real estate landscape requires a lender with broad expertise across multiple property categories. Our hard money lending programs cover virtually every commercial property type, ensuring you can secure funding regardless of your investment focus. Office buildings remain a cornerstone of our commercial lending, from professional medical offices in Jupiter to Class A corporate facilities in Boca Raton. We understand the nuances of office building valuation, lease structures, and tenant mix analysis.
Retail properties represent another significant portion of our commercial lending portfolio. We finance neighborhood shopping centers, community retail hubs, single-tenant net-lease properties, and urban mixed-use developments. Our experience with retail investments means we can quickly assess location quality, traffic patterns, and tenant creditworthiness to make fast lending decisions. Industrial and warehouse properties have seen unprecedented demand in Palm Beach County, driven by e-commerce growth and logistics expansion. We provide acquisition and renovation funding for distribution centers, last-mile delivery facilities, flex buildings, and manufacturing properties.
Multifamily commercial properties including apartment complexes and student housing also qualify for our hard money programs. Whether you're acquiring a 20-unit value-add opportunity or a 100-unit stabilized asset, we have the capital and expertise to structure appropriate financing solutions.
- Office buildings, medical offices, and corporate facilities
- Retail centers, strip malls, and single-tenant retail
- Industrial warehouses, flex space, and distribution centers
Fast Approval and Closing Timeline
Speed distinguishes our commercial hard money lending from traditional financing sources. In competitive commercial real estate markets like Palm Beach County, the ability to close quickly often determines whether you secure a deal or watch it go to another buyer. Our streamlined approval process eliminates the bureaucratic delays that plague conventional commercial lending. While banks may take 60-90 days to approve and fund commercial loans, we typically close within 7-14 days of receiving your complete application.
Our expedited process begins with a same-day preliminary review of your loan request. Once we receive basic property information, your purchase contract, and your investment strategy overview, we can issue a term sheet within 24 hours. This rapid response allows you to make competitive offers with confidence, knowing that financing is readily available. We coordinate directly with your closing attorney or title company to ensure all documentation is prepared efficiently.
The underwriting process focuses on property valuation and deal viability rather than extensive borrower documentation. We order appraisals immediately upon term sheet acceptance and can accommodate rush appraisal services when timing is critical. Our in-house legal team prepares loan documents promptly, and we maintain flexibility to adjust terms if deal parameters change during the closing process. For time-sensitive commercial acquisitions including foreclosure auctions and distressed sales, our speed advantage can be the decisive factor in deal success.
- Preliminary approval within 24 hours of application
- Typical closing timeline of 7-14 days
- Rush appraisal coordination for time-sensitive deals