Fast Hard Money Loans For Experienced Investors

Delancey Street provides hard money loans nationwide to investors who have a verifiable track record. We fund up to 70-80% LTV, and focus on residential projects such as: buy and hold, fix and flips, and commercial real estate acquisitions. The biggest factor we look at is the experience of the investor and the LTV of the project they're requesting assistance with.

80% LTV

We fund loans up to 80%
LTV with no issues.
We DO NOT do 100% financing.


We promise to treat you
like a partner.
We don't like wasting time

No $ Limit

No limits on what we can
do for you.
We max out at 80% ARV.

70-80% LTV For Seasoned Developers Nationwide

Fix and Flip, Cash-out Refinance, and Acquisition Loans
For Experienced Real Estate Developers.

We Fund Real Estate Projects Nationwide

We fund projects nationwide, ranging from fix and flips, to commercial acquisitions. Bottom line, we can help - regardless of the size, or difficulty of the project. We do not do 100% financing - and prefer working with experienced real estate investors.

Recently Funded Projects

Hard Money

Financing for fix and flips, commercial estate, and acquisitions / refinancing
Financing up to 70% of the After Repair Value
We charge 9-10% on average, with no junk fees

Kansas City-Kansas Hard Money Loans


If you’re a real estate investor in Kansas City, Kansas, you’ll be happy to know you have new financing options. Our company provides investors with hard money loans to take on more investments and increase their profits. Hard money loans offer you the opportunity to purchase a property with a bridge loan or for rehabilitation purposes to resell it for a return on your investment. You’ll appreciate the quick funding times and flexibility our loan programs have to offer.

What is a Hard Money Loan and How Does it Work?

A hard money loan is a temporary form of financing that is used to purchase a property for the purpose of reselling it later. Typically, investors seek to make improvements to the property. “Fix and flip” or rehabilitation loans allow the borrower to purchase the property and make the necessary repairs. A bridge loan is for the purpose of purchasing a property nearly instantly without a down payment. The loan can be converted or paid off later.

A benefit of hard money loans is that they are focused on the project and the property rather than the borrower. While the borrower’s information and history are taken into consideration, much less weight is given to the borrower’s finances than with a traditional loan. For this reason, the purchaser must have a solid property that’s capable of producing a profit. Careful consideration should be given to the investment choices to avoid unnecessary delays and potential denials. Even borrowers with bad credit or other financial troubles can qualify for one of our specialty loan programs.

A hard money loan is typically an interest-only, adjustable rate, or balloon payment scenario. While this provides the borrower with a lower monthly payment, they’ll need to sell the property as quickly as possible to avoid the full balance of the loan becoming due at once. The loan terms are typically a year or less with a term that rarely extends beyond five years. The interest rates are typically higher than those of a traditional mortgage loan; however, the investor must keep in mind that this is a convenience and specialty product. The opportunity to go to settlement within days rather than weeks or months makes the option well worth the slight downsides for most investors.

How is a Hard Money Loan in Kansas City Different than a Bank Mortgage Loan?

A bank loan is primarily concerned with the structural integrity of the property selected and the borrower’s ability to repay the loan. Since a hard money loan is a temporary loan, much less consideration is given to the borrower’s personal finances and heavier weight is placed on the property, its condition, and its potential resale value. Since a profit is always sought, the borrower must be able to demonstrate that the potential to turn a profit is probable. This is established through an appraisal, estimates, and a home inspection. These items are essential to demonstrate that the project is likely to succeed. Overall, a hard money loan is a practical solution for those seeking to buy and sell real estate. Government backed loans are a practical solution for those who are seeking to purchase and hold real estate for personal use or to make a monthly profit from their investment.

How Do I Apply for a Hard Money Loan in Kansas City, Kansas?

Applying for a hard money loan is easy. Simply complete our online application or give us a call. Our friendly, dedicated loan professionals will guide you through the process. After you’ve applied, simply provide the documentation that’s requested. You’ll be well on your way to making your next project a reality. See why so many investors in Kansas City trust us as their real estate lender of choice. Get in touch and we’ll be happy to help you, today!

Construction in the U.S. is a multi-billion dollar business, and most businesses have to get a commercial construction loan to fund their project. To get approved for a loan, the borrower must have a business plan that the lender approves.

What’s a Commercial Construction Loan?

A commercial construction loan is obtained to finance the costs of construction or renovation on a commercial building. The loan can be used for:

  • Labor and materials for new construction properties
  • Purchasing and developing land for a new construction property
  • Renovations of existing commercial properties

Why Take out a Commercial Construction Loan

A business owner usually needs to take out a loan because the costs associated with new construction and renovations can be expensive. A growing business usually doesn’t have that much money to spend without getting a loan.

How Commercial Construction Loans Work

The full amount of the loan isn’t paid at once. It’s paid when the project achieves milestones. The borrower will make a plan with the lender to determine when installments of the loan will be paid. Usually, after a milestone is completed, the lender will require an inspector to confirm that the work is completed before they give the borrower the next installment.

A borrower may have to pay interest on the portion of the loan that has been received, but most lenders will allow a borrower to start paying interest after the loan has been fully dispersed.

If the borrower doesn’t want to pay the loan after it’s been fully dispersed, they can receive a commercial mortgage. The property will be considered collateral, and the borrower will use the funds from the commercial loan to pay the mortgage.


Unfortunately, not all construction projects will be eligible for a loan. A lender will determine eligibility based on several factors.

The first thing a lender will look at is the borrower’s credit score. Usually, a lender will be more willing to work with someone who has a high credit score compared to someone who has a lower credit score. Before applying for a loan, a borrower should have a credit score in the 700 hundreds. Also, business credit scores will be evaluated.

The Application

When an application is submitted, the borrower requesting the loan will be required to provide details of the construction project. They’ll have to submit details about the builder, a detailed project timeline, the floor plan, construction drawings and the cost of materials and labor. Also, they’ll be asked to provide the loan amount they’re requesting.

Interest Rates

A borrower can expect to pay between four to 12 percent interest on a commercial construction loan. A borrower who has a better credit score won’t have to pay as much interest. A loan from a bank will have the lowest interest rates.


There are fees associated with commercial construction loans. The fees that may have to be paid vary depending on the lender. A borrower may have to pay processing, guarantee, documentation, project review or fund control fees.

Down Payment

Usually, a down payment is required for commercial construction loans because there are so many risks involved. A 10 to 30 percent down payment is typical. A lender very rarely funds 100 percent of the project.

Final Words

Before getting a commercial construction loan, make sure that the lender has experience. Ask the lender about previous construction projects they’ve financed. If the borrower has a good business relationship with a local banker or financial institution, they should contact them first.


Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
Long Island Small Business Loans

Long Island Business loans can be hard and confusing. However,…

Go Public with Reverse Merger Shells

Go Public With Reverse Merger shells If you’re interested in…

Business Entities

Business Formations Breakdown When starting a business venture, you’ll need…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Apply Now