Commercial Loans for Individuals and Corporations.

Our goal is to provide a  private hard money loan and mortgages for Commercial Real Estate Investors, Fix&Flip, Rental Property, Income Property. We also provide private funding for investors who are purchasing a home at a foreclosure, bank owned or short sale property.

Speed of service

Private Money Lenders. Call us when the banks say no!  We fund private hard money loans for you when you are self-employed or have credit problems and want to buy an investment property by trying to obtain a loan from a bank, but the bank says no.

If you are an investor, fix & flip professional, or you need cash to start a business or other business opportunities we can provide short-term private hard money. As a private money lenders, Level 4 Funding LLC has investors who look past the credit issues and consider the project and the value of the project when we provide a hard money loan mortgage for you.

Prividing  quick funding  with sometimes in as little as 24 hours!  No long applications or piles of paper work or endless requests for more documents.

Private Lenders are More flexible than most banks

We are Hard Money Loan Mortgage Brokers and can provide you with many options.  We work with a lot of banks and investors so we can broker the best hard money loans in Texas, California and Arizona for you!

There are only a few Mortgage Brokers and most companies are bankers who can’t do what we do as investors. The requirements to be a licensed mortgage broker are tougher and require more education and experience that a mortgage banker.

As a hard money mortgage broker, when a bank or investor says no, we can go to another bank or investor in our large list possibilities until we hear yes! You’re not limited to one set of guidelines that a borrower must meet as you would when you work with a Mortgage Banker.  Instead, we have a wide list of different mortgage programs available.  

We are an Arizona, California and Texas Hard Money Brokers who will evaluate all the mortgage package around until we find the best rates and program that meet your hard money loan requirements. No matter your situation, credit score, or your project we seem to always find a bank, insurance fund, hedge fund, mortgage banker, or private investor that will say yes to your loan.

We do them all! 

Give us a quick call to discuss your situation and your project. We can provide you with an answer over the phone with no obligation or any pre-paid fees in advance.

If we can help we will, if not we can tell you the course of action you need to take to get your project funded. Yes we do them all, give us a call today for a Private Hard Money Lender for AZ, CA, CO, FL, ID, OR TX and WA!  Give me a call at 623-582-4444 or for Texas Hard Money call us at 512-516-1177.

Another major benefit to California hard money is the ability to get a project funded that you were unable to get funded or rather financed anywhere else. One common example is a fix and flip project. Often, banks are not interested in short-term lending. This is not to say that banks do not offer short-term options but rather that banks are in the business of making money and the easiest way to do that is to approve long-term loans more often. Furthermore, banks look at these kinds of projects such as a fix and flip as high-risk which only make getting financing harder.

The Pitfalls of Hard Money Lenders California

So now that we’ve covered the major benefits of all things hard money, let’s talk about those pesky pitfalls and disadvantages. The top disadvantage when dealing with hard money financing is of course that higher than average interest rate. But, in reality, just as banks need to make a profit and are concerned about high-risk borrowers, non-bank lenders need to see some return on their investment hence the higher rates. Disadvantage number 2 is the fact that California hard money financing is only available for short-term use. This means if you are looking for financing for a project that others have deemed high-risk for more than 1-5 years you may have to look elsewhere.

Commercial Hard Money

Lastly, hard money loans California require either a minimum amount of equity i.e. at least 25% or a significant down payment. In the world of Commercial hard money, that minimum amount becomes 40% and the down payment is much larger. This increase is ultimately due to the fact that if there is a default, selling the commercial property is much harder to do and often requires a discounted sale price in order to recoup what the non-bank lender lost.

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