Hard Money Financing
Hard Money Loans in Philadelphia, PA
Philadelphia is the sixth-largest U.S. metro and a major hub for healthcare, education, financial services, and life sciences. The market features strong institutional demand, a growing innovation corridor along University City, expanding industrial development in the suburbs, and competitive pricing compared to New York and Washington.
Apply for Philadelphia Hard Money Financing →Hard Money Loan Details
Hard Money Financing for Philadelphia Commercial Properties
CLS CRE provides hard money loans for commercial real estate investors in the Philadelphia-Camden-Wilmington market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Philadelphia properties.
Loan Amount
$1M - $20M
Term
6 - 24 Months
Rates
9.00% - 14.00%
Ltv
Up to 70% LTV (75% ARV)
Close Time
1 to 2 Weeks
Recourse
Recourse Typical
Other Financing in Philadelphia
Permanent Loans
Philadelphia, PA
Construction Loans
Philadelphia, PA
Bridge Loans
Philadelphia, PA
SBA Loans
Philadelphia, PA
Mezzanine & Preferred Equity
Philadelphia, PA
Specialty Financing
Philadelphia, PA
Agency Loans
Philadelphia, PA
HUD/FHA Multifamily Loans
Philadelphia, PA
CMBS Loans
Philadelphia, PA
Net Lease Financing
Philadelphia, PA
Life Company Loans
Philadelphia, PA
DSCR Loans
Philadelphia, PA
Property Types in Philadelphia
Explore financing by property type in the Philadelphia-Camden-Wilmington market.
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FAQ
Hard Money Loans in Philadelphia FAQ
The best commercial lenders in Philadelphia depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive hard money loans financing for your Philadelphia property. Contact us for a customized lender recommendation.
Current hard money loans rates in Philadelphia range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the Philadelphia-Camden-Wilmington market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Philadelphia typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in Philadelphia offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the Philadelphia-Camden-Wilmington market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.
Get Hard Money Financing in Philadelphia
Contact Commercial Lending Solutions for a free, no-obligation hard money loan quote for your Philadelphia commercial property.
Apply for Financing →