![Hard Money and Private Money Commercial Loans-2-1](https://www.fctd.com/hs-fs/hubfs/Hard%20Money%20and%20Private%20Money%20Commercial%20Loans-2-1.jpg?width=2300&height=1539&name=Hard%20Money%20and%20Private%20Money%20Commercial%20Loans-2-1.jpg)
Hard Money Commercial Loans
FCTD provides borrowers with both short-term hard money bridge loans and long-term permanent financing using institutional and private capital sources.
Private Money Loans
- 1, 2, 3, and 15-year programs
- Rates start at 7.90%
- Up to 70% loan-to-value (LTV)
- Investor to owner-user
- Asset-based or Debt Service Coverage Ratio (DSCR) programs
![Office Building Hard Money Bridge Loans](https://www.fctd.com/hubfs/Office%20Building%20Hard%20Money%20Bridge%20Loans.jpg)
Institutional Loans
- 12-month bridge to 25-year amortization
- Rates from 6.00% and up
- Up to 70% loan-to-value (LTV)
- Investor to owner-user
![dreamstime_xxl_38024082-3](https://www.fctd.com/hubfs/dreamstime_xxl_38024082-3.jpg)
Commercial Success Stories
Providing investors with the financing they need.
![Apartment Building Hard Money Bridge Loan](https://www.fctd.com/hs-fs/hubfs/Apartment%20Building%20Hard%20Money%20Bridge%20Loan.png?width=552&height=337&name=Apartment%20Building%20Hard%20Money%20Bridge%20Loan.png)
Apartment Financing – Chicago, IL
- $4,800,000
- 12-Month
- Funds used to renovate prior to sale
![Office Building California](https://www.fctd.com/hs-fs/hubfs/Office%20Building%20California.jpg?width=1234&height=753&name=Office%20Building%20California.jpg)
Office Building – Southern California
- $2,750,000
- 12-Month Term
- Bridge to Permanent Financing
![1st and 2nd Commercial Hard Money Loans In San Francisco](https://www.fctd.com/hs-fs/hubfs/1st%20and%202nd%20Commercial%20Hard%20Money%20Loans%20In%20San%20Francisco.jpg?width=1200&height=732&name=1st%20and%202nd%20Commercial%20Hard%20Money%20Loans%20In%20San%20Francisco.jpg)
Mixed Use – San Francisco, CA
- $3,600,000 1st & 2nd combo
- 12-Month Term
- Bridge to Bank Financing