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

Nebraska New Construction Loans

When it is time to expand your business in Nebraska, you may consider a new construction loan. If you are ready to grow and plan on new construction or improvements, a commercial construction loan will help you avoid some of the excessive costs that many businesses can’t pay upfront.

A commercial construction loan is for businesses that want to renovate or build new from the ground up. If you want to buy an existing commercial property, a commercial mortgage is a proper loan for that type of purchase. The difference between a commercial mortgage and a commercial construction loan is the way it is dispersed. A mortgage is dispersed in a lump sum, while a construction loan is dispersed throughout the construction process. Lenders of commercial construction loans supply funding for labor, materials, and land development.

How Does a Commercial Construction Loan Work?

A commercial construction lender will set a schedule with you to draw on the loan at certain points in the construction project. Once each milestone is met, the lender usually sends an inspector to make sure the work is complete and then releases your next draw for the next stage of your construction project. You only pay interest on the part of the commercial construction loan you’ve received. Typically, you only pay interest on the loan and not the principal until the loan is fully dispersed. Then you would pay off the principle in one lump sum.

How to Pay the Commercial Construction Loan Off?

Once the full amount of the construction loan is due, many business owners get a commercial mortgage. The property is the collateral for the mortgage. The lump sum is then used to pay the commercial construction loan. A commercial mortgage offers affordable payments made monthly. A Small Business Administration CDC/504 loan is an exception to this process. The CDC/504 loan supplies longer-term funding, so another loan after the project is completed isn’t necessary.

Fees and Interest Rates for a Commercial Construction Loan

The fees for a commercial construction loan depend on the lender. They can include:

  • Guarantee fees.
  • Processing fees.
  • Documentation fees.
  • Project review fees.
  • Fund control fees.

Interest rates are based on credit ratings. They also depend on the type of lender you have. Hard money lenders charge higher interest than a bank.

Down Payments

Down payments are needed for commercial construction loans. A lender willing to supply funds for 100% of the project is rare. The down payment needed is typically between 10% and 30%. Conventional lenders use loan-to-cost to calculate the amount of funding they will provide. They use the total of the loan requested and divide it by the total cost of the project. They like to see the percentage between 80% and 85%. This also varies by lender. To produce the down payment, many borrowers will look toward mezzanine loans.

Are You Eligible for a Commercial Construction Loan?

Your credit score is a big determining factor. Many lenders want to see scores above 700. Lenders will also look at your debt to income ratio. If your debt to income ratio is under 43%, you have a better chance. To calculate your ratio, divide your total monthly debt payments by your gross monthly income.

You should also know your debt service coverage ratio (DSCR). This is your net operating income divided by your current annual debt obligations. This number will prove to a lender that you can cover new debts.

Industry experience is reviewed by a potential lender, as well as your construction plans.

Commercial Construction Loans

  • Small Business Administration CDC/504 loan

    This type of funding offers low down payments, is 10 to 20 years in length and has a fixed rate.

  • Small Business Administration 7(a) Program

    You can use this loan for construction or to buy commercial real estate. Loan terms are up to 25 years and interest rates are based on the loan amount and prime rate.

  • Bank Loan

    The standard term for a bank loan is 25 years to repay. Interest rates and down payments vary by lender.

  • Mezzanine Loans

    This type of loan is good for producing a down payment or more funds. If you default, the lender gets equity in the business.

  • Hard Money Loans

    Private lenders lend money for construction projects. These loans are short-term and have minimal costs upfront. They are easier to qualify for but have higher interest rates.

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

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