Commercial
Real Estate
Equity Unlocked.
HardFunded lends against the equity in your commercial property — not your credit score, income, or tax returns. One requirement: 50% equity. That's the entire qualification.
What Commercial
Properties Qualify?
We lend against a broad spectrum of commercial real estate asset types. If the property holds 50% equity and is located in the United States, it likely qualifies.
Built Around
the Asset,
Not the Borrower.
Every number in this loan is determined by what your commercial property is worth — not what you earn, what you owe the IRS, or what your credit report says.
Bring 50% equity. Receive capital. The rest is handled by our team in days, not months.
- Credit score or FICO check
- Income verification of any kind
- W-2s or pay stubs
- Personal tax returns
- Business tax returns
- Profit & loss statements
- Bank statements
- Debt-to-income analysis
How Commercial Borrowers
Put This Capital to Work
No restrictions on use of proceeds. Here's how owners and investors leverage commercial equity loans from HardFunded.
Acquire New Commercial Assets
Pull equity from an existing commercial property to fund the acquisition of additional inventory — without qualifying through a bank or waiting 60 days for approval.
Tenant Improvements & Repositioning
Finance buildouts, common area upgrades, or a full repositioning strategy that increases occupancy, lease rates, and the ultimate value of the asset.
Refinance Existing Debt
Replace high-rate bridge loans, hard money, or maturing notes with a structured equity loan at competitive terms — faster and with far less paperwork.
Bridge to Permanent Financing
Use equity capital to cover a gap between acquisition and stabilization, while a property seasons for conventional permanent financing at a later date.
Business Capital & Operations
Owner-occupants can monetize the equity in their commercial space to fund operations, expansion, payroll, or strategic investments — without selling the property.
Partnership & Ownership Buyouts
Resolve co-ownership disputes, buy out a partner, or consolidate a partnership interest without restructuring the entire capital stack or selling the asset.
50% Equity Is the Entire Qualification
No income ratio, no credit minimum, no financial profile review. If you own 50% of your commercial property free and clear of liens, you meet the one requirement we have. Everything else is noise.
No Credit or FICO Minimum — Ever
Your credit score isn't pulled, reviewed, or factored in at any stage. Borrowers with prior bankruptcies, charge-offs, foreclosures, or no credit history at all are approved regularly on the strength of their commercial equity.
Zero Income or Tax Documentation
No W-2s. No personal tax returns. No business returns. No profit and loss statements. No bank statements. Owners with complex income structures, offshore income, or self-employment get the same access as any other borrower.
Speed That Matches Commercial Deals
Commercial transactions move fast. Our 7–14 day close timeline keeps you competitive when a lease expires, a partner wants out, or an off-market acquisition suddenly appears.
Flexible Terms for Commercial Reality
Short-term structures, interest-only payment options, and extension availability let you match the loan to your actual business cycle — not a one-size-fits-all amortization schedule.
Loans Sized for Serious Commercial Deals
With a maximum loan of $5,000,000, HardFunded covers everything from a small retail strip acquisition to a significant office or industrial transaction. One program, real scale.
Amounts & Terms
Structured around commercial real estate realities — not residential mortgage templates.
| Parameter | Specification | Notes |
|---|---|---|
| Loan Amounts | $75,000 – $5,000,000 | Core Program |
| Equity Requirement | 50% minimum in the commercial property | Only financial qualification |
| Credit Score / FICO | None required — no minimum | No Pull Required |
| Income Verification | Not required | Never Asked |
| Tax Returns | Not required — personal or business | Never Asked |
| Loan Term | 12 months – 3 years | Extension options available |
| Interest Structure | Interest-only available | Preserves NOI and cash flow |
| Eligible Property Types | Retail, office, industrial, mixed-use, hospitality | U.S. commercial properties |
| Prepayment | Flexible — ask at term sheet | Structure to match your exit |
| Typical Close Timeline | 7–14 business days | Rush closings available |
Funded in Days,
Not Months.
Conventional commercial loans average 45–90 days. Our asset-first process removes every bottleneck tied to financial documentation.
Submit Property Details
Tell us about your commercial property and target loan amount. No documentation required to start.
Term Sheet Issued
We assess the asset and issue a preliminary term sheet — loan amount, rate, and structure — within 24 hours.
Commercial Appraisal
We order a commercial appraisal or broker price opinion to confirm current market value of the property.
Asset Underwriting
Property-only review. No income analysis, no credit review, no committee delays. Just the asset.
Close & Fund
Execute documents, record the lien, receive your capital. Ready for immediate deployment.
What is a commercial equity loan and how does it work? +
Is there a minimum credit score or FICO requirement? +
Why are no tax returns or income docs required for a commercial loan? +
What commercial property types are eligible? +
How exactly is the loan amount calculated? +
Can I use a commercial equity loan to purchase a new commercial property? +
How long does it take to close a commercial equity loan? +
Can owner-occupied commercial properties qualify? +
50% Equity.
That's All
You Need.
No credit check, no income documents, no tax returns. Tell us about your commercial property and get a term sheet within 24 hours.
- ✓ 50% equity in a U.S. commercial property
- ✕ No credit score or FICO minimum
- ✕ No income verification or W-2s
- ✕ No personal tax returns
- ✕ No business tax returns
- ✓ Loans from $75,000 to $5,000,000
- ✓ Close in 7–14 business days