Commercial Hard Money Loans

Property Types:

  • Multi-Family
  • Retail
  • Office
  • Restaurants
  • Hotel/Motel/Bed & Breakfast
  • Industrial/Warehouse
  • Gas Stations
  • Other/Special Purpose
  • Hotel-Motel Loans

Loans from $250,000.00 to no maximum

Portfolios from $250,000 to $50,000,000

Harris Note Investors structure creative solutions to fund difficult property situations.

Commercial Real Estate Permanent Debt Program


Designed for the borrower that needs a lite document, easy to close commercial real estate loan.  Designed also for the borrower who either due to personal problems or time related characteristics cannot qualify or would have great difficulty qualifying for traditional institutional quality commercial real estate financing.

Loan Size:

$250,000 to no maximum


Nationwide except Alaska and Hawaii

Property Types:

All types considered except ground up construction and land development.

Lien Position:

first mortgage or deed of trust.

Interest Rate:

9-1/2 – 16% depending upon overall transaction credit quality including guarantor credit score, LTV, loan amount, property type and property condition.

Loan to Value:

50 – 75% depending upon property type, state and guarantor credit score.


Generally 15 years but will allow 20 on case by case basis.

Loan Term:

Generally 15 years but will allow 20 on case by case basis.

Origination Fee:

2% (no fee for correspondents)


2 – 5 points depending on situation


Approximately one (1) week from receipt of complete loan underwriting package and confirmation of real estate value.


Provided the loan is not in default and subject to Lender’s discretion, loan may be assumed for a fee of 1%.

Prepayment/Lock Out:

Not allowed for the first two years.  5% of the unpaid principal balance due during years three through five.  After year five, the loan has no prepayment premium.




Required for taxes and insurance.

Click here to fill out the Quick Loan Request Form. 

Introducing Harris Note Hard Money Loans For Savvy Investors

At Harris Note Investors, LLC, we understand that in the fast-paced world of commercial real estate, speed and flexibility are king. When traditional financing timelines lag behind your ambition, our Commercial Hard Money Loans and Hotel-Motel Loans empower you to seize fleeting opportunities and capitalize on lucrative deals.

Unlock The Potential In Real Estate Assets

Unlike conventional lenders tied to rigid credit score prerequisites, we see the true value locked within your target property. Whether you’re a seasoned investor or a fresh entrepreneur, our hard money loans cater to an array of scenarios:

  • Act swiftly on time-sensitive acquisitions before competitors do.
  • Finance quick property flips or fix-and-hold projects to maximize your return on investment.
  • Bridge the gap in funding during construction delays or unexpected project hurdles.
  • Overcome temporary financial challenges without letting them derail your real estate vision.
  • We Are Your key to unlocking doors closed by ancestral financing channels.

Tailored Solutions, Streamlined Process

We pride ourselves on custom-making commercial hard money loans and Hotel-Motel Loans that perfectly align with your unique needs and project specifics. Our highly time-saving application process abates documentation and expedites approvals. It helps ensure you don’t miss out on fleeting market opportunities.

What Sets Harris Note Apart?

  1. Lightning-Fast Approvals: Get loan approvals within the matter of a few days, not weeks, giving you the strategic advantage.
  2. Flexible Underwriting: We prioritize the inherent value of the property, offering solutions for borrowers with non-traditional financial histories.
  3. Industry Expertise: Our staunch team boasts extensive experience in the hard money market, ensuring a smooth and secure transaction.
  4. Competitive Rates & Terms: We offer reasonable rates and supple terms, making your hard money loan cost-effective.
  5. Transparency & Communication: We believe in clear and open communication, keeping you informed throughout the entire process.

Ideal For A Range Of Projects

  1. Distressed Properties With High Rehab Potential: Breathe new life into undervalued properties and reap substantial profits.
  1. Bridge Financing For Development Projects: Get the funding you need to move your construction project forward without delay.
  1. Non-Owner Occupied Investments: Unlock opportunities in rental properties or commercial spaces even with limited personal financials.
  1. Short-Term Working Capital: Secure financing for unexpected expenses or temporary gaps in cash flow.

Don't Let Time Be Your Archenemy, Contact Harris Note Investors, LLC!

Seize the moment and fuel your real estate ambitions with Harris Note Hard Money Loans. Contact us today for a free consultation and discuss how our tailor-made solutions and swift approvals can propel you towards achieving your commercial real estate goals.