What is the difference between Hard Money and Soft Money?

With regard to finances, Hard Money refers to funds that come with firmer loan terms. These terms almost always include higher interest rates and fees. Soft Money generally comes with easier, more favorable terms along with more flexible payment schedules. It is often offered to borrowers with high credit scores and lower loan-to-value ratios.

Joint Venture Loans

We’re familiar with the intricacies of joint venture projects, and can tailor our services to individual interests coming together to fund a project.  In some cases, when higher loan-to-values are needed by the borrower, Thrive Lending can come in with a two-tier structure to accomplish this higher loan amount.  The two tiers consist of a first trust deed loan followed by a second trust deed loan or an equity investment into the project.

Mezzanine Loans

Mezzanine finance has become an important source of capital for commercial real estate acquisitions, development and refinancing, when loan-to-value ratios are above 65%-70%. Mezzanine finance can fill the gap by creating another tier of financing in the form of debt, equity or a hybrid of both.    Call Thrive Lending for more details.

Our program features 4 fast steps:

  1. Call us or fill out our Loan Request Form.
  2. Share the details of your property.
  3. We make sure the economics are attainable.
  4. We get you the money you need, when you need it.