No. All fees and points are paid at closing. We'll outline the total cost in your lending intent letter so everything is transparent from day one.

Most of our loans are Interest-Only loans. This means the monthly payment is just to cover the accrued interest for the month with all principal due at maturity.

Not sure if that will work with your deal? We can get creative. Because we aren't a Big Bank lender, we can create a customized loan product to fit your deal.

No. We don’t cap your growth. As long as the numbers make sense, we’re ready to fund. Whether you’re acquiring a portfolio of self-storage facilities or multiple office buildings, we underwrite each deal on its own merits.

Yes. Our in-house processing team coordinates title, abstracting, and escrow for you. We partner with Iowa-based attorneys to ensure your property closes with clear title and our lien is properly secured.

All title and closing fees are settled at closing—no surprises.

If your transaction requires a lending pre-approval letter, we’re happy to issue one for qualified commercial borrowers. Whether you’re bidding on an industrial warehouse in Des Moines or acquiring a mobile home park in Cedar Rapids, a pre-approval can help you move quickly.

No penalties. You're free to repay the loan early at any time without fees.

We focus on:

• Your experience in real estate or business operations

• The value and potential of the property

• Your project plan and exit strategy

We know all about dented & scratched commercial properties. That doesn't scare us! What matters is the business plan and your ability to execute on that vision. Most applications are reviewed within 24 hours, and we often close deals in 5-7 business days.

In most cases, no.

We can evaluate the property internally using:

• Walkthroughs
• Photos/videos
• Broker Price Opinions (BPOs)

Compared to a bank, we have reduced appraisal requirements. In most cases (except those involving environmental issues) evaluations can be done in house.  This helps you reduce costs and close fast.

We can often close in 5–7 days, or even faster.

If we have your entity documents and clean title, we move quickly—ideal for time-sensitive commercial transactions or last-minute funding needs.

A balloon payment is a lump-sum payoff due at loan maturity. With our hard money loans, this usually looks like:

• Monthly interest payments + balloon at payoff

This structure allows you to keep cash in the project while you reposition, lease up, or renovate the asset.