We are INVESTORS Funding INVESTORS!

For the past 12 years Urban Bay Housing Fund built our commercial real estate portfolio across the United States before seeing a unique niche to get involved in select property deals as funding partners. We saw a hole in the marketplace for Lenders who understand how Investors think and the need for less red tape when seeking financing on their acquisitions.

Have you been told “NO” by your bank? Or maybe you feel that your credit is too damaged, or your finances not quite where you want them to be just yet… Regardless of why a bank or conventional loans are not available to you at the moment, chances are we can help. A hard money loan offers many desirable features that you simply will not find anywhere else:

This is what we provide…
  • Fast closings
  • Not credit score driven
  • Quick application process
  • Light on needed documentation
Hard money loans have become even more desirable as of late due to the tightening of governing rules and lending guidelines with banks. Let’s face it. The banking industry is getting more strict by the day it seems – Not less. Debt to Income Ratio (DTI), FICO, and even your Debt Service Coverage Ratio are just a few of the items that will be placed under the microscope. If even a single factor is out of line with the pre-defined parameters that the conventional commercial lenders deem “acceptable” – Then you’re likely out of the market as far as they are concerned. Now can you see why Hard Money loans are growing in popularity? Even as a short term solution, this easier approval process, and quick access to cash can be a win-win.

Let’s take a look at some of the commercial property we’ll consider: 

  • Senior Housing
  • Shopping Centers
  • Office Buildings
  • Apartment Complexes
  • Mixed Use Properties
  • Hospitality
  • Self Storage
  • Industrial Buildings (Light)
  • Retail Shops
  • Strip Malls
  • Automotive
  • Almost any income-generating commercial property

At Urban Bay Housing Fund, we have wide variety of commercial real estate loan products available throughout the United States. When banks and registered lending institutions turn down your commercial mortgage loan requests, getting a commercial hard money loan is the next best option! 

A lot of investors have the wrong notion about hard money loans which makes them feel insecure about it. Because of this, our commercial loan consultants step-in to get you a term sheet as fast as possible for your commercial real estate acquisition and upon acceptance jump into action completing a short underwriting process.

We verify the authenticity of the borrower, the deal and see if the loan is a match for our pool of investors.

From $1M to $100M our team of loan professionals are ready to get your next Funding Agreement in writing and push it to the closing table!

Disclaimer: Each loan request is considered on the subject property and borrowers merits.

Get Funding Now!

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Loan Amount Requested
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  • Loan Type Needed
  • Bridge
  • Acquisition
  • Construction or Rehab
  • Credit Line
  • Note Acquisition
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  • Are You In Contract Yet?
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  • No
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  • Property Type
  • Multi-Family
  • Mixed Use
  • Reatil/Shopping
  • Industrial
  • Office
  • Single Tenant
  • Land
  • Self Storage
  • Commercial Condo or Co-Up Units
  • Other
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  • How Quickly Do You Need To Close?
  • Immediately
  • 30-60 Days
  • 60-90 Days
  • 90-120 Days
  • 120 Days+
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