Welcome to Harvest REI
We offer a diverse range of fast, flexible capital solutions for commercial investors, developers, and business owners. Whether you’re building from the ground up or closing in a week, we have a product tailored for your deal structure, location, and timeline.
Commercial Loan Overview
Flexible Financing for Commercial Real Estate Investors.
What Is a Commercial Loan?
A commercial loan is used to finance income-generating real estate such as office buildings, retail centers, warehouses, and multifamily properties (5+ units). Unlike residential loans, commercial loans are structured for business and investment purposes.
With commercial loans, the funding is asset-based and fast, focused on the property’s value and potential, not your income or W2.
How Does It Work?
Hard Money Lending (HML) works by evaluating:
- The property’s current or future value
- Your experience and equity
- Exit strategy (buy, sell, refinance, lease-up)
Once the deal is underwritten and approved, funds are released—often within 7–14 business days. Most commercial loans are interest-only for 6–24 months, giving you time to execute your strategy.
Example:
An investor is purchasing a vacant retail strip center for $1.5M and needs $300K in rehab. Because the property has no current cash flow, banks won't lend. We step in with an HM Loan covering 70% of the purchase and 100% of the rehab. The investor renovates, leases up, and refinances within 12 months.
What Properties Qualify?
We fund a wide range of commercial properties, including:
- Multifamily (5+ Units)
- Retail & Strip Malls
- Office Buildings
- Industrial & Warehouses
- Hotels & Motels
- Mixed-Use Properties
- Daycares, Medical & Special Use Facilities
- Self-Storage & RV Parks
- Ground-Up Construction (select markets)
Why Investors Choose Hard Money Commercial Loans
- Speed: Close in as little as 7–14 days
- No income docs: No W2s, tax returns, or DSCR needed
- Flexible terms: Asset-based underwriting focused on the deal
- Fix & Flip or Hold: Ideal for transitional or value-add projects
- Private Capital: Easier approvals than traditional banks
- Nationwide Coverage: Funding available in most U.S. states
Things to Keep in Mind
- Higher interest rates than banks (typically 8%–12%)
- Shorter loan terms (6–24 months)
- Interest-only payments
- Some equity, liquidity, and experience are required
- A clear exit strategy (buy, sale, refinance, or stabilization) is key
- Closing costs include title, insurance, and appraisal/valuation
Is a HM Commercial Loan Right for You?
This type of financing may be the perfect fit if you:
- Need to close quickly on a time-sensitive deal
- Acquiring distressed, vacant, or value-add properties
- Not bankable due to credit, income, or property condition
- Want a short-term loan to reposition or stabilize before refinancing
- Looking to scale your commercial portfolio with flexible capital
Let’s Talk About Your Deal
We help investors secure the funding they need, without the red tape. If you’re ready to grow your commercial portfolio, we’re ready to move fast.
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