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GET STARTED
  • About
    • About us
    • Our team
    • Contact Us
  • Our Loan Programs
    • Hard Money Loans
    • Commercial Bridge Loans
    • Fix & Flip Loans
    • Rental Loans
    • Multifamily Bridge Loans
    • New Ground Up Construction Loans
    • Conventional Loan
  • HML BLOG
  • FAQ
  • Recent Deals
Menu
  • About
    • About us
    • Our team
    • Contact Us
  • Our Loan Programs
    • Hard Money Loans
    • Commercial Bridge Loans
    • Fix & Flip Loans
    • Rental Loans
    • Multifamily Bridge Loans
    • New Ground Up Construction Loans
    • Conventional Loan
  • HML BLOG
  • FAQ
  • Recent Deals

Commercial Bridge
Loan Program​

Commercial Bridge Loan Program​

Fast, Flexible, and Common Sense Commercial Bridge Loans

HML Investments provides fast commercial bridge loans to purchase, refinance, or renovate commercial real estate investment properties up to $10,000,000. 

REQUEST A TERM SHEET

My property will host Businesses

Property Types:

Office, Multifamily, Retail, Mixed Use, Warehouse, Self Storage, Automotive, Car Wash

Closing Time:

As Little As 5 to 7 days after valuation is completed

Loan Size:

$250,000 – $10,000,000

LTV:

Up to 75% LTV and 70% of ARV for rehab loans, not to exceed 90% of the purchase price

Loan Purpose:

First Trust Deeds Only

Loan Term:
3 to 24 months
Interest Rates:

8.5% to 12%

Amortization:
Interest-only payments
Origination Fees:

Starting at 2% – based on location, property, LTV, credit worthiness of the borrower, loan amount and term

Lending Areas:

Nationwide, in metropolitan and coastal areas, no rural

REQUEST A TERM SHEET

My property will host Businesses

Property Types:

Multifamily, Retail, Mixed Use, Warehouse, Self Storage, Gas Stations, Car Wash

Closing Time:

As Little As 5 to 7 days after valuation is completed

Loan Size:

$250,000 – $10,000,000

LTV:

Up to 75% LTV and 70% of ARV for rehab loans,

Loan Purpose:

Purchase, Refinance, Cash-out

Loan Term:
3 to 24 months
Interest Rates:

9.99% to 12%

Amortization:
Interest-only payments

Min Credit Score:

600

Lending Areas:

Nationwide, in metropolitan and coastal areas, no rural

REQUEST A TERM SHEET

What Do I Need To Qualify?

  • Simple, all you need is Equity in the property!
  • No Appraisal Needed & No Pr epayment Penalty
  • No personal income verification and very little
    documentation.
  • No minimum credit requirement

  • Simple, all you need is Equity in the property!
  • No personal income verification and very little documentation.
  • No minimum credit requirement

Steps To Close

Aplication day

Submit Application

We will review your application and give you a conditional loan pre-approval within 24-48 hours

When you accept the terms

Internal Valuation

Once you accept the terms, if you have a recent appraisal (within the last 30 days) we can use that for underwriting, otherwise our team will do an internal desktop valuation and site visit if necessary

5-7 days

Close!

Once we have your appraisal we submit to loan docs and will take about 5 – 7 days to close.

Aplication day

form icon

Submit Application

We will review your application and give you a conditional loan pre-approval within 24-48 hours

When you accept the terms

form icon

Internal Valuation

Once you accept the terms, if you have a recent appraisal (within the last 30 days)  we can use that for underwriting, otherwise our team will do an internal desktop valuation and site visit if necessary.

5-7 days

money icon

Close!

Once we have your appraisal we submit lo loan docs and will take about 5 – 7 days to close.

Frequently Asked Questions

1. What types of properties can qualify for your commercial bridge loan program?
  • Multifamily
  • Mixed Use
  • Medical Office
  • Office
  • Retail
  • Industrial
  • Gas Stations
  • Agricultural
2. What are the rates you offer on commercial bridge loans?

Our commercial bridge loan rates start at 9.99% interest only. All rates are based on three factors: Loan to Value (LTV); Sponsor or Guarantor Experience and Creditworthiness; and the overall risk & location of the property.

 

4. Do you really fund projects within days of applying?

Yes. It’s obvious that traditional lenders take more time to fund a loan. It’s not uncommon to wait 30-45 days until you can get a loan from a bank or other lenders. You will need to file a lot of paper work and come up with many documents before you can be approved. This might be the biggest difference between traditional lenders and Commercial Bridge Lenders. You can actually be approved within the same day of applying (once all files are submitted), for some real estate investors, this alone makes them choose a hard money lender other a bank many times.

5. Does HML Investments lend to Foreign Nationals?

Yes. 

5. What situations are a good fit for a commercial bridge loan?
  1. Unique acquisition situations requiring non-conventional financing such as a foreclosure sale or REO
  2. Sale & Leaseback Scenarios needing a quick closing
  3. Distressed Sales, IRS Liens, Bankruptcy Resolutions, Debt Consolidation
  4. Partner Equity Buyouts
  5. Mortgage Acquisitions and Discounted Mortgage Buybacks
  6. Rehab & Conversion opportunities which require property stabilization before permanent financing can be obtained
HML Investments

4.7

29 Google Reviews

shai gino
a month ago
I am a general contractor and I am working with Victoria for a long time! Victoria is always patient, polite and coming up with the best solutions to my clients. I want to recommend this company and Victoria. Thank you for all the time that you are investing in helping my clients !
Yamilka Torres
2 months ago
I was working with Jonny Crosthwaite, had a great experience, they were super fast, definitely will work with them again.
Colin Myers
2 months ago
CJ Berina went to great lengths to find a private lender who fit our expansion needs. He was professional and worked with a sense of urgency to ensure that we could close our acquisition.
Learn Farsi With Us
3 months ago
We worked with Jonny Crosthwaite and it was such a pleasure. He literally worked around the clock to make sure that this loan got approved!!! I couldn’t be happier. My investors were able to purchase an amazing property and everybody wins!!!!
Jake Ciulla
3 months ago
Working with Jonny was a real pleasure. He’s professional and always available. Doesn’t get better than that. Highly recommended!

Request a Term Sheet

One of our commercial bridge loan specialists will go over your request to see if it’s a good fit.

HML Investments is a top hard money lender firm in California with over 15 years of hard money lending experience. If you are a real estate investor or property owner we can provide you withasset-based lending for real estate project, we work with both commercial and residential projects. 

*HML investments, its officers, employees and representatives do not make or arrange loans for properties located within the State of Nevada

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  • 15931 Chatsworth st. Granada Hills CA 91344
  • 818-873-3231
  • Info@HMLInvestments.com
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