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

Hard Money Loans Kansas

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How is a hard money lender different from a regular lender
The main difference between banks and  hard money lenders is that hard money lenders are asset centric lenders. They look at on the asset associated with the hard money loan. But, traditional lenders focus on credit and how much money the real estate investor has. It is super important to remember hard money loans aren’t great for the long term. The purpose of a hard money loan is to be a bridge loan that which helps you get the real estate you’re attempting to buy. Hard money lenders focus on short term loans that generate greater ROI than leaving the money in the bank. If you are unable to pay the lender back, then the company you borrowed from can take possession of your property in order to settle his/her loan.
When should you get a Kansas hard money loan
Private money loans are used as investment tools by investors. They are useful in a few situations, such as:
Not able to find financing elsewhere. Funding real estate investments is complicated. Traditional mortgages are tough to get under normal situations. Banks are very cautious of making loans for purposes of real estate investments, as opposed to loans for residences. As a result, if you’re looking for investment funds – then you’ll probably have to get a loan from a hard money lender.
You have a bad credit . Hard money loans are based off the collateral of their investment, not your ability to repay. Loans made to consumers – as opposed to hard money lenders – are based off your ability to repay the loan. This means if you have a bad credit history or no steady income – then you might not get approved for a loan. You need capital. Hard money loans are great so you can get money ASAP. Traditional loans take time. Hard money is very fast. If you need to capitalize on an opportunity immediately, then it is possible to find a hard money loan. If you can wait several weeks, then it’s far better to get a hard money loan.
Hard money lenders can finance your deals fast
Hard money lenders serve a very specific group of individuals, i.e. property investors. Hard money lending is a type of short term financing, which is secured by real estate. Specifically, the men and women who use hard money loans are generally property investors – typically, people who are being denied a conventional loan due to stringent guidelines.
Hard money lenders exist because they are fast, and offer loans with little to no headaches. Hard money lenders have a fast application system. They expect collateral and don’t look at your credit rating. They focus on your expertise, as opposed to your credit worthiness. In case you’ve got a checkered financial past, it’ll be easier to obtain financing with a hard money loan as opposed to a conventional loan which is granted based on your credit report. Below are situations where hard money lenders fill a void that traditional lenders don’t touch:
Kansas Hard money loans can be used for fix and flip property investors
Most traditional lenders won’t offer you a loan to get a fix and flip job. If the house is in bad condition, or there is some other abnormality with the home, then a traditional lender won’t give you funding. In addition, most reverse and fix prospective deals”go quickly.” The seller is extremely motivated to sell the property, and will accept the first offer. Conventional lenders take forever, so by the time the loan is approved – you’ve already lost the property because someone paid money for it. If you have a hard money lender on your side who will close a loan in 5-10 days, you can find the fix and flip property.
Loans from private money lenders are ideal for consumers with poor credit
Most traditional lenders look at a borrower’s credit score. They verify your income and investigate past activities. It means that someone with a checked credit past will have a difficult time, and in some instances never get approved. If this happens to you, your only choice is to work with a hard lender. While the rates of interest for a hard money loan are higher than conventional loans – if the deal is still profitable, it may make sense to spend the money.
Hard money can be used for Commercial properties
Many real estate investors who need a commercial property may get private money loans from a commercial hard money lender. At Delancey Street, we fund commercial properties throughout the USA, with rates as low as 7 percent, with terms ranging from 6-24 months. We offer amazing customer service, with no hidden fees, or bait and switch tactics. We do not charge early payment penalties, and there are no income requirements. There are no minimum FICO scores, and we have minimal paperwork. We provide commercial, hard money loans for multifamily properties, office buildings, retail locations, industrial buildings, and more. We have helped a wide array of commercial property investors secure hard money for a variety of commercial properties. We work with real estate agents and hard money brokers that are looking to help their clients receive a private money loan. We have financed countless commercial loans and can work with all kinds of borrowers. Underwriting a business hard money loan takes a whole lot of effort and requires a knowledgeable team.

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.

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