Hill Creek Commercial Capital provides Houston Real-estate Investors with short bridge loans nationwide and can close in 2 weeks. Financing commercial and some residential properties from loan amounts up to $50 Million
Purchases / Refinance / Construction / Heavy Rehab
-Fast Closing
-Lite Documentation
-Close in less than 2 weeks
-Up to $50 Million
Houston, TX Commercial Hard Money Loan Terms
MINIMUM CREDIT SCORE
Houston Commercial Hard Money Lending
Looking for quick, reliable financing for your Houston commercial real estate project? Our Commercial Hard Money Lending solutions are designed to meet the needs of real estate investors, developers, and business owners across the state. Whether you’re investing in a new development, purchasing an existing commercial property, or need bridge financing, our hard money loans offer the flexibility and speed you need to close deals fast.
Quick Approval & Funding: Get approved within 24 hours and receive funding in as little as 7 days. Our streamlined process ensures you can take advantage of investment opportunities without the usual delays associated with traditional lenders.
Flexible Loan Terms: We offer customizable loan terms to fit your project’s specific needs. With options ranging from short-term bridge loans to longer-term financing, you can choose the terms that work best for your investment.
No Appraisal Required: Skip the time-consuming appraisal process. We focus on the value of the property and your investment potential, allowing for faster approvals and fewer obstacles.
Competitive Interest Rates: Benefit from competitive interest rates starting as low as 8.99%. Our rates are designed to keep your costs manageable while providing the capital you need.
Direct Lending with No Middlemen: Work directly with us for a faster, more transparent lending experience. As a direct lender, we eliminate the need for brokers, saving you time and money.
Bridge Loans: Perfect for transitioning between properties, our bridge loans provide temporary financing to cover the gap between buying a new property and selling an existing one.
Development & Construction Loans: Ideal for ground-up construction projects, we offer loans that cover land acquisition, development costs, and construction expenses.
Commercial Property Loans: Whether you’re investing in office buildings, retail spaces, warehouses, or multifamily properties, our commercial loans offer the capital you need to make it happen.
Refinancing: Need to refinance an existing commercial property? We offer refinancing options that allow you to access equity, lower your interest rates, or extend your loan terms.
Our Houston Commercial Hard Money Lending services cater to a wide range of real estate professionals, including:
Real Estate Investors: Unlock the potential of your investments with fast, flexible financing designed for quick turnarounds.
Developers: Secure funding for land acquisition, construction, and development projects without the delays of traditional lending.
Business Owners: Invest in new commercial properties or expand your current holdings with loans tailored to your business needs.
Property Flippers: Maximize your profits with loans that cover the purchase, renovation, and resale of commercial properties.
Why Invest in Commercial Real Estate in Houston?
1. Diverse Economy and Industry Resilience
– Houston’s economy is driven by energy, healthcare, aerospace, and manufacturing, offering a stable demand for commercial real estate despite global market fluctuations.
2. Growing Population and Urbanization
– Rapid population growth fuels demand for office spaces, retail centers, and multifamily properties, enhancing property values and urban development.
3. Industrial Real Estate Boom
– Houston leads the U.S. industrial real estate market, driven by its logistics infrastructure, proximity to the Gulf of Mexico, and the rise of e-commerce, creating strong investment opportunities in warehouses and distribution centers.
4. Commercial Office and Retail Opportunities
– Demand for flexible office spaces and the revival of retail locations, especially in mixed-use developments, provides profitable investment prospects in high-traffic areas.
5. Strong Rental Market and High ROI
– Houston’s rental market offers solid returns, particularly in desirable neighborhoods like the Energy Corridor and Downtown, while remaining more affordable than other major cities.
6. Tax Benefits and Business-Friendly Environment
– Texas offers no state income tax and a business-friendly climate, making Houston highly attractive for investors seeking to maximize returns on commercial properties.
7. High Demand for Industrial Spaces
– Continued growth in Houston’s industrial sector, driven by increased shipping through the Port of Houston, makes industrial real estate one of the top-performing asset classes for investors.
8. Technological Advancements in Real Estate
– The adoption of new technologies like virtual property tours and advanced management tools is streamlining the real estate investment process, making operations more efficient and cost-effective.
9. Strong Office Sector Driven by Corporate Relocations
– Corporate relocations to Houston, particularly in energy, healthcare, and tech, are driving demand for modern office spaces in prime areas like Downtown and the Texas Medical Center.
10. Risk Mitigation through Market Diversification
– Houston’s diverse CRE offerings, from industrial and retail to office and multifamily spaces, allow investors to diversify their portfolios and reduce market-specific risks.
11. Future Outlook and Growth Potential
– Houston’s commercial real estate market is poised for continued growth, driven by emerging trends like mixed-use developments, sustainability, and expanding industries like e-commerce and healthcare.
By investing in Houston’s commercial real estate market, investors can capitalize on these growth trends and enjoy long-term returns in a dynamic and resilient economic environment.
Frequently Asked Questions About Houston, TX Commercial Hard Money Lending
1. What is a commercial hard money loan?
A commercial hard money loan is a short-term financing solution secured by real estate. Unlike traditional loans, hard money lenders focus more on the property’s value than the borrower’s creditworthiness, making it an ideal solution for investors needing fast, flexible funding for commercial projects.
2. How do hard money loans differ from traditional loans
Traditional loans often have strict requirements such as high credit scores, lengthy approval processes, and extensive paperwork. On the other hand, hard money loans offer quicker approvals and focus primarily on the property’s value and project potential rather than the borrower’s financial history.
3. What commercial properties can be financed with a hard money loan?
We finance a wide variety of commercial properties in Houston, Texas including:
4. What is the typical interest rate for a commercial hard money loan?
Interest rates for hard money loans are typically higher than traditional loans due to the shorter terms and increased flexibility. Rates can range from 10% to 13%, depending on the risk and scope of your project.
5. What are the loan terms for commercial hard money loans?
Loan terms typically range from 6 months to 36 months. However, we offer flexible options based on your project’s timeline and specific needs.
6. How long does it take to get approved?
Our streamlined approval process allows us to approve loans in as little as 48 hours, with funding typically available within a week. This ensures you get the capital you need when you need it.
7. What kind of down payment is required for a commercial hard money loan?
The down payment requirement varies depending on the property and the loan-to-value (LTV) ratio. Generally, borrowers should expect to provide 20-30% of the property’s value as a down payment.
8. Can I get a loan with bad credit?
Yes! Unlike traditional lenders, we prioritize the value and profitability of the property over the borrower’s credit score. As long as your project is viable and the property has sufficient equity, we can likely offer you financing.
9. What fees are associated with hard money loans?
Fees typically include origination fees (1-3%), appraisal fees, closing costs, and other loan processing fees. These will be outlined transparently at the beginning of the loan process.
10. What is a bridge loan, and how does it differ from a hard money loan?
A bridge loan is a type of hard money loan used to “bridge the gap” between a short-term financing need and more permanent financing. Hard money loans can serve a variety of purposes, including bridge financing, but not all hard money loans are bridge loans.
11. What is the loan-to-value (LTV) ratio?
The loan-to-value ratio represents the loan amount as a percentage of the property’s appraised value. Most commercial hard money lenders offer loans with LTV ratios between 65% and 80%, meaning you can borrow up to 80% of the property’s value.
12. Can I refinance an existing loan with a commercial hard money loan?
Yes, you can use a hard money loan to refinance existing commercial real estate loans, especially if you’re seeking a quicker, more flexible option or need additional capital for renovations or expansions.
13. What documentation is required for a commercial hard money loan?
While our documentation requirements are less stringent than traditional lenders, we typically ask for:
– Property details (address, type, value, etc.)
– Proof of ownership or purchase agreement
– Details of the project or intended use of funds
– Basic financial information (to assess loan repayment capacity)
14. What happens if I can’t repay the loan on time?
If you cannot repay the loan by the due date, you may be able to extend the term, though this may come with additional fees or adjusted interest rates. If the loan defaults, the lender may take ownership of the property used as collateral.
15. How do I get started with a commercial hard money loan?
Getting started is easy! Simply contact our team through the form on this page or call us at 713-331-9463. We’ll review your project and provide a tailored solution for your needs.
Hill Creek Commercial Capital
17350 State Highway 249 Ste 220 #2693, Houston, Texas 77064 Us
713-331-9463
info@hillcreekcommercialcapital.com
