Commercial Hard Money Lender
United financial Group is a commercial hard money lender financing commercial real estate and residential investment properties up to $20,000,000. As a direct commercial hard money lender, we provide pre-approvals in 24 to 48 hours and fund loans in five to seven days.
Finance Your Next Transaction With United Financial Group
- A nationwide direct Lender, not a broker
- Pre-approval in 24 hours
- Typical funding in five to seven days
- Loan amounts up to $20 million
- Purchase
- Refine
- Cash-out
- Rehab
- 1031 Exchange
Commercial Loans
Looking to close quickly on a commercial loan?
United financial Group finances commercial loans nationwide up to $20 million. As a commercial hard money lender, we are able to underwrite your project fast and get a pre-approval letter within about 24 hours and fund the deal within about 5-7 days. Wilshire Quinn realizes the complexities of financing commercial projects. Our successful track record is closely linked to our ability to make immediate lending decisions based on our highly disciplined underwriting approach. The emphasis on in-house loan origination allows our borrowers to move forward with confidence in our commercial loan program.
Lending Parameters
| Perameter | status |
|---|---|
| CLOSING TIME | Typically 5 to 7 days |
| LOAN SIZE | $200,000 to $20,000,000 |
| LTV | Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price |
| LIEN POSITION | First Trust Deeds Only |
| LOAN TERM | 3 to 24 months |
| INTEREST RATES | 8.5% to 10.5% |
| AMORTIZATION | Interest-only payments |
| ORIGINATION FEES | 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term |
| LENDING AREAS | Nationwide, in metropolitan and coastal areas |
Commercial Property Types
What We Lend On
MIX USE
Fast funding bridge loan
LOAN AMOUNT
$5MM to $50MM+Non-Recourse
TERM : 2-7 Years
INTEREST RATE
Floating or Fixed Rate
Interest Only Up to Full Term
Forward Rate Lock Available
Retail
Retail business loans are lending products designed for the retail business owner. These loans help entrepreneurs pay for leasing, supplies, payroll, marketing, building repairs, and more. They are designed to work for specific needs when you’re financing retail stores.
SBA 7(a) loans
SBA 504/CDC loans
Business lines of credit
Short-term loans
Office
United Financial Group, a leading nationwide commercial mortgage broker, provides its clients with office building mortgages for the purchase and refinance of office buildings from $1,500,000+.
placement servicewith over 30 years of lending experience- Simplified application process
- Terms and amortizations up to 25 years
- Loans for purchase and refinance, including cash-out
- 24 hour written pre-approvals with no cost and no obligation
INDUSTRRIAL AND WAREHOUSE COMMERCIAL LOANS
We provide our clients with warehouse and industrial building loans for the purchase and refinance of industrial and warehouse buildings from $1,500,000+
Recently Funded Commercial Loans
Here’s What Our Borrowers Are Saying
A Proven Commercial Hard Money Lender, Lending Nationwide
Hotel/Motel Loan
"United Financial Group provided an exceptional service when financing our new hotel. Their fast turnaround and deep industry knowledge made the entire process seamless and stress-free."
Customer: Green Valley Hospitality
Storage and Warehouse Loan
"We needed a hard money loan for our new warehouse, and UFG came through with a quick and efficient solution. Their expertise in the field was evident throughout the process."
Customer: Riverside Storage Solutions
Lines of Credit
"United Financial Group's team was incredibly responsive and knowledgeable. Their quick turnaround on our line of credit application allowed us to meet urgent business needs promptly."
Customer: Apex Distributors
Assisted Living Loan
"Securing financing for our assisted living facility was made easy with UFG. Their professional approach and swift service were instrumental in getting our project off the ground."
Customer: Serenity Care Homes
Hotel Renovations
"United Financial Group's hard money loan solutions were perfect for our hotel renovation project. Their quick and hassle-free process ensured that we could start our renovations without any delays."
Customer: Skyline Hotel Group
Commercial Hard Money Lenders
Ready to Finance a commercial project?
At United Financial group we control the lending process and can provide fast answers and quick closings for commercial hard money loans. We are a commercial hard money lenders which means we can fund commercial loans fast. We lend private money loans for commercial projects nationwide up to $20M with funding available in about 5-7 days.
Submit a loan application
Partner with a direct lender you can trust.
FAQs – Commercial Hard Money Loans
What is a hard money loan?
A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like United Financial are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.
What if my credit score is low?
Hard money lenders like United Financial group primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.
How long does the loan process take?
After receiving a signed term sheet, United Financial group typically funds a loan in five to seven business days.
What type of properties do you lend on?
United Financial will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, entitled land, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.
What types of loans does United Financial group originate?
We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.
How do I submit a loan request?
You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.
What is the cost of a hard money loan?
Our interest rates typically range from 8.5% to 10.5%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).
Where does United Financial lend?
Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.
