Commercial  Hard Money
Call us today   1-866-675-3729 or 1800-928-6154
Citi Prime Group, Commercial Hard Money
Commercial Hard Money Loan Program Highlights

Traditional banks and funding institutions simply cannot offer such
innovative and flexible programs. Typically other banks will take 90-120
days to close, offering lower LTVs, and have more stringent credit
score requirements. Knowing all of this, why would you go anywhere
else but C
iti Prime Group.
Hard Money Loan financing to $200k to 535 million +, High LTVs.
True equity based lending. No income check available.


$200,000 to $535,000,000
Nationwide - All 50 States
Bad credit OK when applying for a Hard Money Mortgage Loan with us
All situations considered including bankruptcy, foreclosure
24 Hour Approvals / Emergency Mortgage Closings
Our Hard Money Mortgage Loan Program is designed for quick closings

Hard Money Bridge Loan rates range from 10%-16% with LTVs up to 75%

Our Hard Money Mortgage Loans are based on actual property/project value

Asset Based Loan Approvals for all our Hard Money Mortgage Loans

Updated Appraisal Ok - IMMEDIATE SITE VISITS

CALL  a Commercial Hard MONEY Specialist today 1-800-928-6154
Hard Money Bridge Loans

Bridge Loan financing to $200k to 535 million +, High LTVs.
True equity based lending. No income check available.


$200,000 to $235,000,000
Nationwide - All 50 States
Bad credit OK for all our Bridge Mortgage Loans
All situations considered including bankruptcy, foreclosure
24 Hour Approvals / Emergency Mortgage Closings
Our Bridge Mortgage Loan Programs are designed for Quick Closings

Standard Bridge Loan rates are from 10.99 -14.00% - LTVs to 70%
Our Hard Money Bridge Loan rates are from 10%-16% - LTVs to 70%

Our Bridge Mortgage Loans are based on actual property/project value

Updated Appraisal Ok - IMMEDIATE SITE VISITS

CALL TODAY 1-866-675-3729
Hard Money Loans, 100% Funding, Nationwide,
3 weeks funding. Rates: 9-13%, Loan amounts:
$10 mil $100 Million. Must have 10% liquid
assets of requested loan amount.

Submit Executive Summary, Proof of 10% assets and exit plan to
SECC Bridge Loan Summary

The loan program requires the pledging of commercial real estate collateral as primary collateral, as well as a 1
(one) year of pre-paid interest remitted by The Borrower to The Lender’s attorney’s escrow account after the execution
of the Loan Commitment. All terms are subject to change at any time and are contingent upon a full underwriting
review by Lender on each loan transaction.
Loan Term Highlights:
1 year term w/ extension options up to 3 years
9.0% - 13.0% interest only loan
Broker’s can charge up to 1.0% YSP (1.0% rate add-on, equals 1.0% rebate to the broker) Additional points outside
escrow ok.
0.0%-3.0% Lender points
No prepayment penalty
All loans carry an interest reserve for the term period
Existing current 3rd party reports accepted
Close in 3 weeks or less
Loan amounts per funding up to $50,000,000.00

All fees, points, loan costs, and interest are financed and paid by borrower at loan exit, or initial term end if extended
1. The Borrower submits a full due diligence package to The Lender.
2. The Lender reviews and issues a firm Loan Commitment subject only to the establishment of 1 (one) year of pre-
paid interest deposited in The Lender’s attorney’s escrow account. (24-72 hours)
3. The Borrower reviews and executes the Lender Loan Commitment and is issued by The Lender an escrow
agreement from their attorney’s law firm - a bonded and insured United States law firm specializing in commercial
loan transactions of this type and is familiar with The Lender’s procedures and process. (24 hours)
4. The Borrower reviews and executes the escrow agreement and remits the 1 (one) year of pre-paid interest to The
Lender’s attorney’s escrow account.
5. The Lender’s attorney and escrow agent serves as closing agent and/or coordinateness with borrower’s closing
attorney. The Lender funds the transaction. (7 – 14 business banking days)

The 1 (one) year of pre-paid loan interest in calculated on an interest only basis by multiplying the loan interest rate by
the gross loan amount. The deposit of the pre-paid interest into The Lender’s attorney’s escrow account is the
responsibility of The Borrower, is a non-negotiable requirement for the loan, and is payable within 24 hours after
execution of The Lender Loan Commitment.
Minimum loan amount is $10,000,000.00.
Dollar figure of the pre-paid interest put up by The Borrower can be added onto the loan amount and reimbursed at
funding as long as the credit profile of the loan request supports it.
Lender reserves the right to fund each transaction in multiple tranches or per a mutually agreeable draw schedule.
Depending on the final loan size and structure there may be additional back end costs associated with the loan
transaction and are the responsibility of the borrower and will be added on to loan principal for payment at loan exit or
term expiration (all costs will be itemized on the final closing statement for the borrower’s review

Commercial Loan Processing Explained
Land Development loan summary - what we need to know and why

Location is one of the greatest indicators of a property's value and development potential. Most
development deals that require funding originate out of rapid-growth markets or areas of transition.

In addition, it is often better to be an infill project in a major metropolitan area than a development on
the fringes of a city or rural area.

Factors that also impact a property's value to the bridge lender may include development potential
include its neighborhood, views, proximity to schools, other attractions and traffic interchanges,
political environment and even large, corporations moving in or out an area.

Are there environmental issues. What about zoning and other restrictions. How much research has
been conducted. All this info need to be in the executive summary or loan request.

Physical characteristics and topography are also important. A review of engineering reports is another
important step in assessing the property. These reports may reveal a situation that must be mitigated
or that might increase the development cost. For example, if the topography is especially steep, land
development may be reduced. This could increase the cost to improve the lots or to build the homes.
Engineering reports also can determine if a property is in a flood plain.

Consider the above factors when submitting or putting together your proposal for land development
loans. Give us as many details as possible and we can leverage our partners in bridge funding to
guide you to a closed transaction.

Do you have any of these challenges?

You've are expecting to close any day now on your new commercial purchase.  Your loan
was to have funded last week, but there have been delays and you fear your loan may have fallen
through.  The seller is pressing you and will not wait any longer.  If you don't fund immediately, you will
lose your deposit.

You have begun construction but you have run out of funds to complete.  Your construction
lender is not willing to increase your loan.

You have the opportunity to purchase a project which is only partially completed.  
Traditional construction lenders aren't interested in rescuing an unfinished project, even for a new

You have equity in your commercial property but your debt service is not adequate for you
to refinance, even though you are going to rehab the property with the funds, and raise the
 You need short term funds to complete the rehab and increase the income on the property.

You have found a property you want to purchase in a hurry, but in order to get it at a "fire sale" price,
you have to act fast!

You want to purchase a property but you don't have sufficient cash available.  You have
equity in another property but can't access it quickly enough to close on the new one.

     What we do:

By partnering with private investment groups, real estate hedge funds, banks, reits and more we are
able find the right funding for your project. If you are experienced and have a full package ready to be
viewed by our funders we can act quickly and normally have a term sheet for your land development
loan within a day or two. Using our strategic partnerships with our investment groups we can help you
put together your land development loan request and executive summary.

Land Development equity financing and joint ventures

Are you looking for partnerships or equity financing. Do you have the land but need experienced
developers to make things happen. Tell us your scenario and we can help. Just like financing for the
debt portion, it must make sense.

Working with brokers and principals both

Your a mortgage broker with land development loan scenarios. No problem, with our unique
relationship with our investors we gladly work with brokers. We can assist you documentation prep
and conference calls with your customer.

Cohen Commercial Equity  
 "Your Hard Money Home for Commercial Loans"

What is Hard Money Loans

Hard Money Commercial Loans!A hard money loan is a specific type of financing in which a borrower receives funds
based on the value of a specific parcel of commercial real estate. Hard money loans are typically issued at much
higher interest rates than conventional commercial or residential property loans and are almost never issued by a
commercial bank or other deposit institution.

A hard money loan is a real estate collateralized loan based on the quick-sale value of the property against which the
loan is made. Most lenders fund in the 1st-lien position, meaning that in the event of a default, they are the first creditor
to receive remuneration. Occasionally, lenders will subordinate to another 1st lien position loan; these loans are
known as mezzanine loans or second lien position loans.

Hard money lenders structure loans based on a percentage of the quick-sale value of the subject property. This is
called the Loan-to-Value or LTV ratio and typically hovers between 60-70% of the value of the property. For the
purposes of determine an LTV, the word "value" is defined as 'today's purchase price'. This the amount that a lender
could reasonably expect to realize from the sale of the property in the event that the loan defaults and the property
must be sold in a 1-4 months' time. This 'value' differs from an MAI appraised value.

Below is an example of how a commercial real estate purchase might be structured by a hard money lender:

65% Hard Money Loan
20% Borrower equity (cash or additional collateralized real estate)
15% Seller carry back loan or other subordinated (mezzanine) loan

Hard Money is a term that is used almost exclusively in the United States and Canada where these types of loans are
most common. In commercial real estate, hard money developed as an alternative "last resort" for property owners
seeking capital against the value of their holdings. The industry began in the late 1950s when the credit industry in the
US underwent drastic changes (see FDIC: Evaluating the Consumer Revolution).

The hard money industry suffered severe setbacks during the real estate crashes of the early 1980s and early 1990s
due to lenders overestimating and funding properties at well over market value. Since that time, lower LTV rates have
been the norm for hard money lenders seeking to protect themselves against the market's volatility.

From inception, the hard money field has always been formally unregulated by state or federal laws, although some
restrictions on interest rates (usury laws) by state governments restrict the rates of hard money such that operations
in several states, including Tennessee and Arkansas are virtually untenable for lending firms.

Thanks to freedom from regulation, the commercial lending industry operates with particular speed and
responsiveness, making it an attractive option for those seeking quick funding. However, this has also created a
highly predatory lending environment where many companies refer loans to one another (brokering), increasing the
price and loan points with each referral.

There is also great concern about the practices of some lending companies in the industry who require upfront
payments to investigate loans and refuse to lend on virtually all properties while keeping this fee. Borrowers are
advised not to work with hard money lenders who require exorbitant upfront fees prior to funding in order to reduce this
risk. If you feel you have been the victim of unfair practices, contact your state's attorney general office or the office of
the state in which the lender operates.

All of our Lenders and brokers are qualified professionals you can expect to meet your standards. Just fill out ONE
hassle-free home loan application and have lenders and brokers nationwide competing to get you the mortgage loan,
service, and turnaround you need.

Good Credit or Bad Credit
Residential and Commercial Mortgages
Bad Credit Financing, Hard Money Loans, Private Money Lenders
Getting approved for hard money loan at Hard Money Commercial is FAST and SIMPLE! You can apply online and one
of our loan specialists will start working on your approval within minutes. To apply go to our online application.