Hard money financing for commercial real estate investments in Myrtle Beach.
Commercial properties in Myrtle Beach and the Grand Strand represent exceptional investment opportunities for savvy real estate investors seeking to capitalize on the region's robust economic growth. From bustling retail spaces along Highway 17 to professional office buildings in Conway's business district and industrial facilities in Horry County, our specialized hard money loans provide the fast, flexible financing essential for commercial acquisitions, refinancing, and value-add renovations.
The Grand Strand's commercial real estate market continues to expand, driven by tourism, population growth, and business development across South Carolina's coastal region. Whether you're targeting retail centers, office complexes, warehouses, or mixed-use developments, traditional bank financing often falls short with lengthy approval processes and rigid lending criteria that can cost you lucrative opportunities.
Our commercial hard money loans bridge this gap, offering rapid approvals, often within 24-48 hours, and funding within days rather than weeks or months. We understand the unique characteristics of commercial properties and structure loan terms that accommodate the specific needs of commercial investors, including interest-only payments during renovation periods, flexible prepayment options, and loan amounts that scale with project complexity.
With extensive experience in the Myrtle Beach commercial market, we provide not just capital but strategic partnership to help you evaluate deals, understand local market dynamics, and execute successful commercial real estate investments throughout the Grand Strand region.
Our commercial hard money loans serve diverse applications across the commercial property spectrum. For retail investors, we fund strip malls, standalone retail buildings, restaurant spaces, and specialty retail locations throughout Myrtle Beach, North Myrtle Beach, and surrounding communities. These properties benefit from the constant flow of tourists and year-round residents, creating strong tenant demand and reliable cash flow potential.
Office building investors find our financing ideal for acquiring professional buildings, medical offices, and corporate centers. The expanding healthcare sector in Horry County and growing professional services industry creates sustained demand for quality office space. Our loans support both stabilized properties with existing tenants and value-add opportunities requiring renovation or repositioning.
Industrial and warehouse properties represent another significant application, particularly with the growth of e-commerce and logistics operations serving the southeastern United States. We finance warehouses, distribution centers, manufacturing facilities, and flex-space industrial properties throughout the region. These properties often command strong rental rates and long-term lease commitments from quality tenants.
Mixed-use developments combining retail, office, and residential components are increasingly popular in urbanizing areas like downtown Conway and redeveloping sections of Myrtle Beach. Our financing supports acquisition and construction of these complex projects, recognizing their potential for diversified income streams and appreciation.
Commercial renovation projects benefit significantly from our hard money loans. Whether updating outdated retail spaces to attract modern tenants, converting office buildings for new uses, or modernizing industrial facilities for current manufacturing standards, our renovation financing provides capital for both acquisition and improvement costs. We understand that well-executed commercial renovations can dramatically increase property value and rental income potential.
Commercial property investors face several challenges that traditional financing often exacerbates rather than solves. The extended due diligence periods required by banks, typically 45-90 days, can cause investors to miss time-sensitive opportunities in competitive markets where properties receive multiple offers within days of listing. Sellers frequently prefer cash buyers or those with proven quick-close capability, putting traditionally financed buyers at a significant disadvantage.
Property condition issues present another common hurdle. Many high-potential commercial properties require substantial renovation or have deferred maintenance that banks view unfavorably. Our hard money loans evaluate deals based on after-repair value and investment potential rather than current condition, opening opportunities that conventional lenders reject outright.
Complex ownership structures and commercial lease analysis requirements can delay traditional financing indefinitely. We focus on the asset quality and investor experience rather than getting bogged down in extensive documentation that doesn't directly impact investment viability.
Our approach to commercial hard money lending centers on speed, flexibility, and partnership. We begin with a rapid preliminary assessment based on property details and investment strategy, providing feedback within hours rather than days. This early engagement allows you to make competitive offers with confidence, knowing your financing is secured.
Our underwriting process emphasizes property value, location strength, and your experience as an investor rather than relying solely on credit scores and tax returns. We evaluate each deal individually, structuring terms that align with your specific project timeline, cash flow requirements, and exit strategy. Typical commercial loans range from $250,000 to $5,000,000 with terms from 6 to 24 months.
Throughout your project, we maintain open communication and provide flexibility if market conditions or project timelines shift. Our goal is your investment success, recognizing that repeat business comes from helping investors profit on every deal.
We provide commercial hard money loans throughout the Grand Strand region, including Myrtle Beach, North Myrtle Beach, Conway, Surfside Beach, Murrells Inlet, Little River, and all surrounding South Carolina communities. Our deep local market knowledge helps you identify and capitalize on the best commercial opportunities across Horry County and Georgetown County.
We finance virtually all commercial property types including retail centers, office buildings, industrial warehouses, manufacturing facilities, mixed-use developments, restaurants, hospitality properties, medical offices, and specialty commercial buildings. Our lending criteria focus on property location, investment potential, and borrower experience rather than specific property categories.
We typically lend up to 65% of the property's current value or after-repair value for commercial properties. This conservative approach protects both lender and borrower while still providing substantial leverage for your investment. For properties with strong cash flow or exceptional locations, we may consider higher LTV ratios on a case-by-case basis.
Most commercial hard money loans close within 7-14 days from application, assuming clear title and complete documentation. For time-sensitive opportunities, we can expedite closings to 5-7 days. This speed gives you a significant competitive advantage when pursuing commercial properties in Myrtle Beach's active market.
Yes, we typically require personal guarantees from the principal borrowers for commercial hard money loans. However, we evaluate each deal individually, and experienced investors with strong track records and substantial equity positions may qualify for modified guarantee requirements. We also consider borrowing through LLCs and other entities for asset protection purposes.
Required documentation includes a completed loan application, property purchase contract or existing deed, recent property appraisal or broker price opinion, rent roll and lease agreements for income-producing properties, renovation budget (if applicable), borrower financial statement, and business plan outlining your investment strategy and exit plan. We streamline documentation to focus on what matters for loan decision-making.
Get started today and receive multiple competitive loan offers from verified hard money lenders experienced with your property type.