Fast Commercial Bridge & Hard Money Loans, Funded with Our Own Money.
Limited paperwork, no full appraisal, no minimum credit score, and closings in about 2 weeks or less, subject to underwriting. Veraciti Capital is a balance-sheet lender making commercial loans of $100K to $2M in DC, MD, VA, DE, PA, NJ and NC.
Tell Us About Your Deal
We work directly with Brokers to help your clients find the best lending product for their project.
Working with us is very simple. We will give you a quick response either if we can help your client or not. See our Broker Program.
Apply NowWhy Borrowers and Brokers Choose Veraciti Capital
- SpeedTerm sheets typically within 24 hours, from the people who decide.
- Limited PaperworkWe ask for what explains the property and the plan.
- No Full AppraisalValued in-house or with a BPO.
- No Minimum Credit ScoreCredit is reviewed, but no score cutoff decides.
- Quick ClosingAbout 2 weeks or less, subject to underwriting.
- Our Own MoneyEvery loan is funded with our own capital.
- Balance-Sheet LenderNo institutional capital, so no outside committees.
Commercial Bridge Loan Parameters
Transparent lending criteria for commercial real estate investors and brokers.
Commercial Bridge & Hard Money Snapshot
2026 Terms| Loan Amount | $100,000 – $2,000,000 (larger loans up to $5M considered case by case) |
| Rate Structure | 10.99% – 12.99% interest-only, subject to underwriting |
| Origination | 2 to 4 points |
| Max Leverage | Up to 70% LTV / LTC |
| Execution Speed | Typically about 2 weeks or less |
| Loan Term | 12 Months (option to extend) |
| Capital Stack Position | 1st Lien |
Commercial Loan Programs
Short-term, first-lien financing for income property, sized around the asset and the business plan.
Property Types We Lend On
Residential Investment Properties
We also finance residential investment property: high-end residential properties and single-family rentals of 1–4 units. The property must be non-owner occupied (investment only), and every loan is business-purpose and subject to underwriting. See residential investment loans.
Recently Funded Deals
Representative commercial transactions funded for our borrowers.
Frequently Asked Questions
How fast can Veraciti Capital close a commercial loan?
Indicative term sheets are typically delivered within 24 hours of intake review. Closings typically take about 2 weeks or less, subject to underwriting, valuation and how quickly diligence items come in.
Do you require a full appraisal?
No. We value properties in-house or with a broker price opinion (BPO) instead of ordering a full appraisal, which saves time and cost.
Is there a minimum credit score?
No. We review credit as part of the overall picture, but there is no minimum score. The property, the leverage and the exit plan carry the most weight.
How much paperwork do you need?
Less than a bank. We ask for the documents that explain the property, the plan and the borrower, and the list depends on the deal.
Whose money do you lend?
Our own. Veraciti Capital is a balance-sheet lender with no institutional capital behind its loans, so there are no outside investor guidelines or committees to satisfy. The team that reviews your deal makes the decision.
What are your rates and loan sizes?
Rates run from 10.99% to 12.99%, subject to underwriting, with 2 to 4 points. Loans are typically $100,000 to $2,000,000, and larger loans up to $5,000,000 are considered case by case. Terms are 12 months with an option to extend.
What property types do you finance?
Multifamily (5+ units), mixed-use, retail and restaurant, office, light industrial and self-storage properties, plus high-end residential properties and single-family rentals of 1 to 4 units. Residential loans are for non-owner-occupied investment property only. All loans are business-purpose and subject to underwriting.
Do you finance owner-occupied commercial buildings?
Yes. We finance owner-occupied commercial buildings as well as tenant-occupied ones. Tell us whether the business is an existing company adding a location or relocating, or a start-up. Established businesses with a successful track record are more likely to be approved and may receive better terms; start-ups can still be approved but typically need more capital to close. All loans are subject to underwriting. Residential properties must be non-owner occupied.
Where do you lend?
We make commercial loans in Washington DC, Maryland, Virginia, Delaware, Pennsylvania, New Jersey and North Carolina.
What is a commercial bridge loan?
A short-term asset-based loan secured by commercial real estate. Used to rapidly acquire assets, refinance existing debt, fund capital improvements, or stabilize a property prior to securing permanent financing.
Ready to Structure Your Next Deal?
Direct underwriting review without bureaucratic delays.