What types of commercial properties does Veristone Capital finance?

Veristone Capital finances a range of commercial property types, including retail centers, office buildings, mixed-use properties, light industrial, and special-purpose buildings. We evaluate each deal based on the property's value, location, and the borrower's exit strategy rather than a narrow list of approved asset classes.

How does a commercial hard money loan differ from a residential one?

Commercial hard money loans tend to involve larger loan amounts, more complex underwriting, and different appraisal standards than residential loans. The property's income potential and commercial use are factored into the valuation. Loan structures may also reflect the unique needs of business tenants and lease terms.

What loan-to-value ratios does Veristone Capital offer on commercial deals?

LTV on commercial hard money loans varies by property type, condition, and location. Veristone Capital structures each deal individually to balance leverage for the borrower with appropriate risk coverage. Contact us with your deal details for a specific LTV estimate.

What documentation is needed for a commercial hard money loan?

We typically need a property summary, recent photos, a title report, and any existing lease agreements or rent rolls. Borrower financials are reviewed but carry less weight than the property itself. Because our loans are asset-based, the documentation process is streamlined compared to bank lending.

What are typical loan terms for commercial hard money?

Commercial hard money loans from Veristone Capital generally run 12 to 24 months. The exact term depends on the borrower's business plan and exit strategy. Extensions are available when circumstances change, as long as the borrower stays in communication with our team.

Can Veristone Capital finance mixed-use properties?

Yes. Mixed-use properties that combine retail, office, or other commercial space with residential units are a good fit for our lending programs. We look at the overall value and income of the property, not just the residential or commercial portion in isolation.

How do commercial appraisals work for hard money loans?

Commercial appraisals typically use an income approach, a sales comparison approach, or both. The appraiser will evaluate the property's current and potential income, comparable sales in the area, and the condition of the building. Veristone Capital works with experienced commercial appraisers who understand investor-focused deals.

What exit strategies work best for commercial hard money loans?

The most common exit strategies are refinancing into a conventional or DSCR loan, selling the property after repositioning, or completing lease-up to stabilize the asset's income. Veristone Capital expects a clear exit plan before funding and will work with borrowers to make sure the timeline is realistic.

Common Questions About Commercial Real Estate Hard Money Loans

Commercial real estate deals often need faster, more flexible financing than banks can provide. Below are the questions we hear most from investors and business owners looking at commercial hard money loans from Veristone Capital.

What types of commercial properties does Veristone Capital finance?: Veristone Capital finances a range of commercial property types, including retail centers, office buildings, mixed-use properties, light industrial, and special-purpose buildings. We evaluate each deal based on the property's value, location, and the borrower's exit strategy rather than a narrow list of approved asset classes.
How does a commercial hard money loan differ from a residential one?: Commercial hard money loans tend to involve larger loan amounts, more complex underwriting, and different appraisal standards than residential loans. The property's income potential and commercial use are factored into the valuation. Loan structures may also reflect the unique needs of business tenants and lease terms.
What loan-to-value ratios does Veristone Capital offer on commercial deals?: LTV on commercial hard money loans varies by property type, condition, and location. Veristone Capital structures each deal individually to balance leverage for the borrower with appropriate risk coverage. Contact us with your deal details for a specific LTV estimate.
What documentation is needed for a commercial hard money loan?: We typically need a property summary, recent photos, a title report, and any existing lease agreements or rent rolls. Borrower financials are reviewed but carry less weight than the property itself. Because our loans are asset-based, the documentation process is streamlined compared to bank lending.
What are typical loan terms for commercial hard money?: Commercial hard money loans from Veristone Capital generally run 12 to 24 months. The exact term depends on the borrower's business plan and exit strategy. Extensions are available when circumstances change, as long as the borrower stays in communication with our team.
Can Veristone Capital finance mixed-use properties?: Yes. Mixed-use properties that combine retail, office, or other commercial space with residential units are a good fit for our lending programs. We look at the overall value and income of the property, not just the residential or commercial portion in isolation.
How do commercial appraisals work for hard money loans?: Commercial appraisals typically use an income approach, a sales comparison approach, or both. The appraiser will evaluate the property's current and potential income, comparable sales in the area, and the condition of the building. Veristone Capital works with experienced commercial appraisers who understand investor-focused deals.
What exit strategies work best for commercial hard money loans?: The most common exit strategies are refinancing into a conventional or DSCR loan, selling the property after repositioning, or completing lease-up to stabilize the asset's income. Veristone Capital expects a clear exit plan before funding and will work with borrowers to make sure the timeline is realistic.

Tim Mushen

VP of Marketing and Technology

Disclaimer: Veristone Capital does not provide legal or financial advice. The information on this page is for general informational purposes only and should not be construed as legal, financial, or tax advice. Consult a qualified attorney, accountant, or financial advisor to evaluate your specific situation before making any investment or lending decisions.

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Common Questions About Commercial Real Estate Hard Money Loans

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