Commercial Private Money Loans

No Prepayment Penalty

Our prepayment flexibility lets borrowers save on costs by paying off loans early without penalties, enabling them to seize opportunities and manage finances effectively.

Competitive Interest Rates

We provide competitive interest rates, lowering borrowing costs and ensuring favorable loan terms for borrowers' business ventures.

Fast Funding

Our swift funding provides a crucial advantage for borrowers in competitive real estate, allowing them to capture time-sensitive opportunities and remain agile in their investments.

Small Business Owner standing at his bakery counter

Owner-User Property Loans: These loans are tailored for business owners who plan to occupy the purchased commercial property. They offer advantageous terms, including lower interest rates, due to the borrower's intended use for their business operations.

Complex Mixed-Use Property Loans: These loans cater to properties that combine various functions, such as retail, residential, and office spaces. Available loan options consider the diverse revenue streams and usage of these properties, offering flexibility for investors and developers.

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Multi-Property Loans: These loans provide financing for multiple commercial properties, enabling efficient management and expansion of real estate portfolios with favorable terms compared to individual property loans.

Read a guide to building a resilient portfolio, from our Socotra partners.

Additional Creative Loan Structures: Creative loan structures provide innovative financing for diverse commercial property needs—including bridge, mezzanine, and construction loans—empowering borrowers to execute complex projects and investment strategies.

Discover these smart commercial investments, from our Socotra partners.

Risk-averse banks concede to investors great opportunities in private money real estate lending. Herzer Financial yields solid returns over time by selectively lending to otherwise qualified borrowers.

Trust Deed Investor

Herzer Financial is able to put together complex loans, bridge loans, and fix-and-flip loans that banks either can’t or won’t do. While unpalatable for banks, they provide consistent payoffs for savvy investors.

John, Investor

Painting house wall facade during exterior renovations

My wife and I needed a bridge loan while we put our home on the market. We were surprised to learn banks wouldn’t fund people in our situation. Herzer Financial Services made it possible to buy our new dream home without having to sell our prior home first.

Homeowner/Borrower

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Application and Prequalification

Our loan officer will schedule an initial consultation to discuss your financial goals. We utilize documents such as income statements and credit reports to assess your eligibility and loan amount. From there, we work together to determine your loan options and potential interest rates.

Processing and Underwriting

Our in-house processing guarantees efficiency. We verify documentation—including credit reports, income, and property appraisal—to assess your credit standing and property value. After approval, we finalize your loan terms and, upon closing, disburse your funds for your commercial property transaction.

Closing and Disbursement

We schedule a closing appointment to sign your loan documents. For purchase loans, funds are transferred to the seller, transferring property ownership. For refinance loans, the existing mortgage is paid off, and cash-out funds are disbursed to the borrower. We provide post-closing support to address any queries or concerns you may have.