Asset-Based Commercial Lending

Commercial Hard Money Loans

Q: How is commercial hard money different from a bank commercial loan?

A bank leads with financials, operating history, and a longer approval process. Hard money leads with the asset and moves faster, in exchange for a shorter term and a higher cost.

Q: Is hard money more expensive?

Generally yes. You are paying for speed, flexibility, and a lender willing to look at a deal a bank will not. Whether that trade makes sense depends on what the deal produces.

Financing underwritten on the property rather than your tax returns, for retail, office, industrial, mixed-use, and multi-family buildings.

📞 Call Me to Discuss: (707) 331-2441 Corrine Salazar-Rose · NMLS #2453071

How It Works

When the Property Is the Story, Not the Tax Return

Commercial hard money is asset-based financing for non-residential and mixed-use properties. Instead of leading with years of personal income documentation, the lender underwrites primarily on the asset itself: what it's worth, what it produces, and what the plan for it is.

That makes it the right tool in situations where conventional commercial financing stalls. A short timeline. A property that needs repositioning before a bank will touch it. A borrower whose returns don't tell the whole story. As a Mortgage Solutions Specialist with NEXA Lending, I compare hundreds of lenders to find the one that will actually fund the deal in front of you.

Why Investors Choose Corrine

What You Get With Corrine Salazar-Rose

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Underwritten on the Asset

The property carries the loan. Personal income documentation matters far less than the numbers on the building.

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Speed When It Counts

Asset-based lending moves faster than conventional commercial financing, which matters when a deal has a clock on it.

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Deals Banks Pass On

Repositioning plays, transitional assets, and unconventional borrowers are exactly the scenarios these programs exist for.

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An Exit From Day One

Hard money is short-term by design, so we map the refinance or sale before you sign, not after.

Property Types

What I Can Help You Finance

Retail Space

Office Buildings

Industrial & Warehouse

Multi-Family

Mixed-Use

Owner-Occupied Commercial

Transitional & Value-Add Assets

The Process

A Simple, Straightforward Path to Funding

Bring Me the Deal

The property, the price, the rent roll if there is one, and your timeline.

Analyze

We look at the asset and the plan to see what lenders will actually support.

Structure and Close

I match the deal to a lender whose terms fit the property and the timeline.

Execute the Exit

Reposition, stabilize, then refinance or sell on the plan we set at the start.

Where I Help Investors

Commercial Hard Money in California and Oregon

Corrine Salazar-Rose is licensed in California and Oregon, with the ability to assist clients in additional states as needed. If a bank has already said no on a commercial deal, that's usually where I start.

📞 Call Me to Discuss: (707) 331-2441

FAQs

Frequently Asked Commercial Hard Money Questions

How is this different from a bank commercial loan?

A bank leads with your financials, your operating history, and a longer approval process. Hard money leads with the asset and moves faster, in exchange for a shorter term and a higher cost. Different tools for different situations.

Is hard money more expensive?

Generally yes. You're paying for speed, flexibility, and a lender willing to look at a deal a bank won't. Whether that trade makes sense depends entirely on what the deal produces. I'll show you the numbers so you can decide with real information.

What kinds of properties qualify?

Retail, office, industrial and warehouse, multi-family, and mixed-use are all common. Unusual or single-purpose properties can be harder but aren't automatically out. Call me with the specific address and I'll tell you straight.

What's the exit on a hard money loan?

Almost always a refinance into permanent financing or a sale of the property. Because the term is short, the exit is the most important part of the conversation, and it belongs at the beginning rather than the end.

Got a Commercial Deal a Bank Won't Touch?

Call me and walk me through the property and the plan. I'll tell you honestly whether there's a lender for it and what the financing would realistically look like.

📞 Call Me to Discuss: (707) 331-2441 Corrine Salazar-Rose · NMLS #2453071 · NEXA Mortgage LLC NMLS #1660690

Corrine Salazar-Rose is a Mortgage Solutions Specialist with NEXA Lending, helping buyers, investors, and homeowners in California and Oregon find the loan program that fits.