Nationwide commercial real estate financing

Commercial Real Estate Hard Money Loans.

Straightforward, asset-backed debt solutions for transitional, opportunistic, and distressed commercial real estate nationwide.

$100K–$20M+ Up to 60% LTV 2–4 Week Closings

Realistic leverage. Reliable execution.

The Iron Gate Advantage

  • Focused Expertise
    Specialized commercial mortgage brokers for complex real estate transactions.
  • Asset-Based Underwriting
    The real estate asset is the primary driver of our financing strategy.
  • Realistic Leverage
    Up to 60% LTV on qualifying commercial properties.
  • Reliable Execution
    Typically 2–4 week closings, subject to appraisal, title, diligence, and transaction complexity.
Commercial Real Estate Hard Money Loans
$100K–$20M+
Loan-to-Value
Up to 60%
$20M+
Transaction sizes up to
60%
Maximum LTV on qualifying properties
$100K
Starting transaction size
2–4 weeks
Typical closing timeline
The Iron Gate Advantage

Why Sophisticated Borrowers Work With Us

We are specialized commercial mortgage brokers who navigate the private lending market to match complex transactions with the right capital. Our approach is straightforward: underwrite the real estate first, structure the financing realistically, and execute without unnecessary friction.

01

Strictly Asset-Based Underwriting

The underlying commercial real estate is the primary driver of our financing strategy. Borrower credit, balance sheet, and tax returns are considered in context—but they are not the sole determinants of whether a transaction can be financed.

02

Realistic Leverage. Reliable Execution.

We don’t quote aggressive leverage simply to win the business. Our capital relationships support up to 60% LTV, providing borrowers with financing parameters that are realistic, transparent, and designed to close.

03

Certainty of Execution

We work with established private and institutional lenders with clearly defined underwriting parameters and execution processes. That means fewer surprises, less wasted time, and a clearer path from initial review to closing.

04

Built for Complex Transactions

Distressed assets, transitional properties, time-sensitive acquisitions, difficult refinances, and transactions that fall outside conventional lending criteria are where our private-capital relationships can provide solutions.

Financing Solutions

Private Capital for Complex Commercial Real Estate

Our lending relationships provide flexible, asset-based financing for commercial transactions that may not fit conventional lending criteria.

Typical Parameters
Asset CategoriesOffice, Retail, Industrial, Multifamily, Distressed Assets, Land & Other Commercial Properties
Transaction Sizes$100K–$20M+
Maximum LTVUp to 60% LTV on qualifying commercial properties; typically 25%–50% LTV for land
Closing TimelineTypically 2–4 weeks, subject to appraisal, title, diligence, and transaction complexity
Geographic FocusNationwide capability, excluding CA, AZ, NV, NJ, ND, SD, & VT

Loan terms, leverage, pricing, and execution timelines vary based on property type, location, condition, transaction structure, and overall collateral quality.

How It Works

From initial review to closing in four steps

A clear process for commercial real estate transactions that need thoughtful, timely execution.

1

Apply in minutes

Tell us about your commercial real estate transaction. The application takes about three minutes.

~3 minutes
2

Speak with an advisor

A capital advisor reviews the property, your goals, and the proposed hard money structure.

Same day
3

Review financing options

We match the transaction with appropriate private capital and explain the proposed terms and fees before you commit.

Terms shaped by the deal
4

Get funded

Move through appraisal, title, and diligence with a clear path toward closing.

Typically 2–4 weeks
FAQ

Straight answers to fair questions

Are you a lender or a broker?
We are an independent commercial finance brokerage. We work directly for you, not the banks — our job is to find you the strongest offer across our lender network.
Why use a broker instead of my local bank?
Traditional lenders have specific lending criteria, and sometimes a business simply doesn’t fit their requirements. We shop your file across multiple elite lenders simultaneously, so one application gives you many chances at an approval — and competing offers give you leverage.
What are the minimum qualifications?
Commercial Real Estate Hard Money Loans: Transactions start at $100K and are evaluated with close attention to the commercial real estate asset. Financing may reach up to 60% LTV on qualifying commercial properties; land is typically 25%–50% LTV. All terms are subject to underwriting.
What types of financing do you offer?
We focus exclusively on Commercial Real Estate Hard Money Loans for commercial real estate acquisitions, refinances, and other qualifying property transactions.
Where do you arrange financing?
We have nationwide capability, excluding CA, AZ, NV, NJ, ND, SD, and VT. Availability for a specific property depends on the transaction and lender requirements.
Will checking my options hurt my credit score?
An initial conversation does not require a credit pull. If a lender later requests credit information, we will explain that step before you proceed.
What are your interest rates and fees?
Rates depend on the asset, transaction structure, and underwriting. Every lender's terms and fees are outlined transparently before you sign anything.
Can I apply with bad credit or a unique industry?
We review each commercial hard money request based on the property and transaction. A capital advisor can discuss whether your deal may fit the program.
Is my business data secure?
Absolutely. We protect your application data and financial documents with bank-grade encryption protocols, and we never sell your information.

Complex deal? Let’s find a realistic path forward.

Tell us about the property and transaction. We’ll review the asset, discuss the financing parameters, and outline next steps.

Start Your Application Or speak with a capital advisor:
(307) 485-3009