{"id":50146,"date":"2026-06-14T21:27:09","date_gmt":"2026-06-14T18:27:09","guid":{"rendered":"https:\/\/www.commercialcafe.com\/blog\/?post_type=glossary_term&p=50146"},"modified":"2026-09-21T17:28:20","modified_gmt":"2026-09-21T14:28:20","slug":"hard-money-loan","status":"publish","type":"glossary_term","link":"https:\/\/www.commercialcafe.com\/blog\/glossary\/hard-money-loan\/","title":{"rendered":"Hard Money Loan"},"content":{"rendered":"

A hard money loan is a short-term, asset-based loan, usually from a private lender rather than a bank. It tends to fund acquisitions, fix-and-flip projects, or bridge financing in situations where speed is the priority or the borrower does not meet conventional lending standards.<\/p>\n

Because the loan is secured mainly by the property’s value rather than the borrower’s credit, approval comes faster, but the cost is higher: steeper interest rates, significant fees, and short repayment terms, often 12 to 36 months. It is a familiar tool in value-add and opportunistic strategies.<\/p>\n","protected":false},"excerpt":{"rendered":"

A hard money loan is a short-term, asset-based loan from private lenders, used when speed matters or borrowers fall short of conventional criteria.<\/p>\n","protected":false},"template":"","glossary_category":[8643],"class_list":["post-50146","glossary_term","type-glossary_term","status-publish","hentry","glossary_category-finance-valuation","wpautop"],"acf":[],"yoast_head":"\nHard Money Loan | CRE Glossary<\/title>\n<meta name=\"description\" content=\"How hard money loans work in commercial real estate: asset-based private lending, faster approval, higher rates, and common value-add uses.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.commercialcafe.com\/blog\/glossary\/hard-money-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hard Money Loan\" \/>\n<meta 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