Hard Money & Bridge Loans

When You Need to Close Quickly or Finance What Traditional Lenders Won’t Touch

Agri-One Financial helps clients secure bridge and hard money financing for commercial real estate projects that don’t qualify for conventional loans — or simply need to close fast.

These loans are often used for distressed properties, time-sensitive opportunities, partner buyouts, or transitional financing until longer-term funding becomes available.

Explore Fast-Funding Loan Options

Bridge Loans

  • Temporary financing to “bridge the gap” between acquisition and long-term funding

  • Common uses: new acquisitions, stabilization periods, or pre-construction

  • Fast closings, lower doc requirements, short terms

Hard Money Loans

  • Asset-based loans with fast approval and high flexibility

  • Often used for distressed deals, foreclosures, or projects with cash flow issues

  • Typically higher rates and lower LTVs

  • Loan Size: $500,000 to $25M+

  • LTV: Up to 65–70% of value or ARV (after repair value)

  • Terms:

    • 6 to 24 months

    • Interest-only

    • Fast closing (2–3 weeks or less)

  • Credit: Flexible; focus is on the deal

  • Eligible Properties:

    • Multifamily

    • Hotels & motels

    • Office

    • Retail

    • Senior living

    • Self-storage

    • Mixed-use

    • More on a case-by-case basis

  • Foreign nationals: Often eligible (multifamily preferred)

  • Close in as little as 10–14 days

  • Finance deals that don’t qualify for bank financing

  • Rescue stalled deals or prevent foreclosure

  • Fund renovations or repositioning

  • Buy time while pursuing SBA, HUD, or conventional loans