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Commerce sits in a dense industrial corridor of LA County. That makes it a active market for investors targeting warehouses, mixed-use, and residential flip projects.
Hard money loans are built for speed. When a deal needs to close in days — not months — conventional financing simply can't compete.
5–10 Business Days
Typical Close Time
6–24 Months
Typical Loan Term
30–40% Typical
Equity Required
Asset-Based
Credit Focus
Varies by Deal
Rate Type
Hard Money Loans in Commerce
Hard money lenders care about the asset, not your tax returns. Your credit score matters less than the property's value and your exit strategy.
Most lenders want 30-40% equity in the deal. Bring a clear plan — flip, refinance, or sell — and you're most of the way there.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Commerce.
Commerce sits in a dense industrial corridor of LA County. That makes it a active market for investors targeting warehouses, mixed-use, and residential flip projects.
Hard money loans are built for speed. When a deal needs to close in days — not months — conventional financing simply can't compete.
Hard money lenders care about the asset, not your tax returns. Your credit score matters less than the property's value and your exit strategy.
Not every hard money lender is the same. Some specialize in fix-and-flip. Others focus on commercial or land deals. Finding the wrong one wastes your time.
At SRK CAPITAL, we work with 200+ wholesale lenders. We match your deal type to lenders who actually do deals like yours in LA County.
The biggest mistake investors make? Calling one hard money lender and taking whatever terms they offer. Rates vary sharply across lenders. Shop it.
Your draw schedule on a rehab matters as much as your rate. A lender with slow draws will kill your timeline and your budget.
Bridge loans and hard money overlap, but they're not identical. Bridge loans often have lower rates but stricter qualification. Hard money moves faster with fewer conditions.
DSCR loans work better for stabilized rentals. If the property needs work before it cash flows, hard money gets you in the door first.
Commerce is zoned heavily for commercial and industrial use. Not every hard money lender is comfortable with non-residential collateral — know before you apply.
LA County properties move fast. Having a pre-approved hard money commitment lets you make offers with real credibility behind them.
Many deals close in 5-10 business days. It depends on the lender and how quickly you deliver the property details and your exit plan.
Credit still matters, but it's not the deciding factor. Lenders focus on the property's value and your strategy to repay.
Residential flips, mixed-use, and commercial properties all qualify. Industrial collateral works too — with the right lender.
Most run 6-24 months. They're short-term by design — you exit by selling, refinancing, or completing your project.
Yes. SRK CAPITAL shops your deal across 200+ lenders to find the right hard money fit for your Commerce project.
Yes, typically much higher. You're paying for speed and flexibility. Rates vary by borrower profile and market conditions.