Commercial Hard Money Loans & Private Lender

Commercial hard money loans are typically asset-based loans used for real estate acquisitions, refinances, construction, repositioning, or time-sensitive investment opportunities. Instead of relying only on conventional bank criteria, private lenders may evaluate collateral value, transaction strength, repayment strategy, borrower experience, and project economics. Stirling Capital Group helps borrowers identify suitable lending sources and structure requests for review.

Private lenders often provide more flexible underwriting than traditional banks, especially for transitional assets, complex capital stacks, quick acquisitions, or borrowers outside standard credit boxes. Banks may be limited by regulatory constraints, leverage limits, or long approval timelines. Stirling Capital Group works with non-bank, institutional, specialty finance, and private equity sources to evaluate multiple potential paths.

Funding may be available for commercial real estate, multifamily, mixed-use, office, industrial, warehouse, retail, hospitality, senior living, student housing, rental properties, fix-and-flip projects, land opportunities, and construction or development transactions. Stirling Capital Group also supports asset-based lending, sale-leasebacks, equity capital, and specialty finance needs when the collateral or transaction structure requires customized review.

Bridge loans can be appropriate when a borrower needs short-term capital for an acquisition, refinance, renovation, lease-up, stabilization, or repositioning strategy. They are commonly used when a property is not yet eligible for permanent financing or when timing is critical. The exit plan usually involves sale, refinance, stabilization, or conversion to long-term financing.

Private lending terms vary based on asset type, leverage, collateral quality, borrower experience, project status, repayment path, and market conditions. Commercial real estate loans may include bridge, conventional, SBA, CMBS, interest-only, DSCR-based, or asset-based structures. Stirling Capital Group reviews the opportunity first, then helps match the request with lending sources that fit the transaction profile.

Yes. Stirling Capital Group supports construction and development financing across land acquisition, construction, mezzanine capital, equity solutions, and permanent or stabilization financing. Project sizes may range from $5 million to $500 million and beyond, depending on lender appetite and project fundamentals. The team helps evaluate the capital stack from early-stage planning through long-term ownership or refinance.

Stirling Capital Group offers a free consultation to help borrowers understand potential financing options before pursuing a formal loan request. During the initial review, the team discusses the property, business need, collateral, requested capital amount, timeline, and repayment strategy. This helps determine whether the opportunity may fit private lending, equity capital, asset-based lending, or another financing structure.

Helpful materials include a project summary, requested loan amount, property information, purchase contract or payoff statement, rent roll, operating history, renovation or construction budget, borrower financials, entity documents, and exit strategy. For business financing, receivables, inventory, equipment, contracts, or other collateral details may be needed. Complete documentation helps lenders evaluate the transaction more efficiently.