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Hard Money Lenders

Why Montegra?

Choosing the right lender for Colorado hard money loans is one of the most important decisions a real estate investor will make.  Montegra Capital has a proven track record of building strong  relationships with borrowers. 2021 is our 50th anniversary of funding bridge loans in Colorado. Montegra has funded over $600,000,000 of loans, helping Colorado investors  finance their real estate purchases, and we’ve developed a reputation as a trusted and reliable lending partner.

In real estate, time is of the essence.  Montegra offers immediate decisions and rapid closings.  We are committed to delivering you a term sheet within 24 hours of applying and closing in as quickly 7 days.  Because of the layers of bureaucracy, banks and other traditional lenders are unable to match our efficiency and speed.

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Colorado Hard Money Loans

For over 50 years, Montegra Capital Resources has served as Colorado’s premier hard money lender, developing a reputation as a trusted source for hard money and bridge loans in Colorado and the Rocky Mountain Region.  Montegra is a direct hard money lender, not a loan broker, and as such has complete control over the funds issued and the decisions made.

As an established Colorado private money lending leader, Montegra specializes in financing commercial real estate loans that banks and institutional lenders are not able to fund.  Montegra also finances private capital loans on multi-family and residential investment properties.

Montegra’s extensive lending experience has resulted in the development of a lending philosophy based upon 5 core values: speed, flexibility, fair pricing, minimal red tape, and no surprises.  Montegra strongly believes in these core values and that staying true to them allows us to better serve both our borrowers and our investors.

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Colorado Private Money Lending
Bridge Loans

Hard Money & Bridge Loans

As a leading lender in the private capital hard money industry, Montegra strives to offer the lowest competitive hard money loan rates available and is always willing to adapt our bridge loan programs to fit the needs of a mercurial commercial real estate industry.  The fast-paced changes of this industry require new, creative, flexible lending strategies that offer our borrower the best choices in the hard money lending market.

Today, with opportunities to purchase properties at below market value, Montegra is proud to introduce our Smart Buyer Loan Program. The Smart Buyer Loan Program allows borrowers to unlock additional capital when they need it most.  Contact Montegra to learn more about this program as well as the myriad other hard money and bridge lending options that we offer.

Loan Types

How Do Colorado Private Money Loans Work?

When most people purchase commercial real estate, they typically do so with the assistance of a long-term loan. However, there are instances in which approval for these types of loans may be delayed, causing problems for business. In such cases, short-term bridge loans can help to bridge the gap, so to speak, until approval for a long-term loan comes through.

Bridge loans generally entail higher interest rates than their long-term counterparts, and the terms for repayment are much shorter, often about 12 months or less, which means you’ll want to secure your long-term financing in fairly short order so you can pay back your Colorado hard money lenders before the term of your bridge loan expires.

The major benefit of this type of loan is that it tends to be quick and easy to obtain, which can relieve your financial burden and your stress while you wait on a long-term loan to come through. Think of Colorado private money loans as the shuttle that takes you to the airport so you won’t miss your cross-Atlantic flight.

Bridge loans are generally for property purchases, and they can be used to expedite closing, perhaps securing advantageous terms, or help a business to avoid default or foreclosure. In many cases, these loans help to support a business awaiting long-term financing. Terms and conditions will differ, but often, there is some form of equity involved, and this will impact the amount of the loan.

In instances where a property owner is putting in a bid on a new property but has yet to sell their current property, Colorado bridge lenders will likely use the current property (or collateral property) to determine the amount of the loan. The loan amount may be calculated as a percentage of the current property value, or potentially the current and new property values combined, although the percentage and the specific formula may vary across Colorado hard money lenders. Liquidity may also be a factor in determining eligibility and the ultimate loan amount.

Who Can Apply with Colorado Bridge Lenders?

Any business that needs a leg up to get by for a short time can benefit from Colorado private money loans. Whether you’re looking to take advantage of an immediate business opportunity, you’re trying to avoid foreclosure, or you need lending for a non-typical business type, such as a cannabis warehouse loan, you could benefit from a short-term loan that bridges the gap between your need and another form of lending. As long as you have sufficient collateral and you meet lending requirements, you could be a good candidate for a bridge loan.

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Why Choose Colorado Hard Money Loans?

Traditional bank loans are not always the best choice for every borrower. Whether you’re purchasing property in need of renovation, buying land with the intent of building after doing the necessary work to get a construction loan, or perhaps working to save up for a property from foreclosure, you will find that Denver hard money loans from Montegra are an excellent alternative to traditional loan types that aren’t designed for such purposes.

Best Uses of Denver Hard Money Loans

If you’ve exhausted your options when it comes to traditional bank real estate lending, Colorado hard money loans offer an appealing alternative that cuts through most of the red tape and can provide the funding you need quickly.   Hard money loans offer an ideal solution for commercial interests seeking funding for:

  • Quick Close – within 7 days if required
  • Land Loans
  • When borrower does not have appropriate credit or can not provide a strong personal guarantor

Hard money loans offer  a good  option for borrowers facing credit issues that have prevented them from qualifying for bank  loans.. Even with stellar credit, the speed with which you can obtain approval and funding of a hard money loan may allow you to take advantage of real estate opportunities ahead of your competitors.

Hard money loans are not always right for every borrower.  Carefully weigh the advantages and disadvantages discussed above in making your decision.   If you decide to investigate hard money financing then working with a lender like Montegra, with its 50 year history of providing these loans to Colorado borrowers is well worth  considering. u.

To explore the possibilities of hard money lending for Colorado properties, call Bob Amter or Kim Skari or contact them online (bob@montegra.com / kim@montegra.com)  to learn more.

Client Feedback

Terrix Financial

“We have brokered a number of loans to Montegra Capital over the last 10+ years and found them to be very efficient and professional in their execution. They are typically able to issue conditional commitments very quickly and they do follow through with closings.”

DAVID O’BRIEN

CHAIRMAN, TERRIX FINANCIAL

“Montegra Capital is an ethical hard money lender, a rarity (and usually non-sequitur) in the industry.  Not only do Robert Amter and his team always deliver on their commitments and do so in the time frame promised, but their fees and terms are a very reasonable reflection of the risk they incur.  As a mortgage broker with the vantage point of working with many lenders, I can’t express strongly enough how positively I feel about their integrity, professionalism and process.  My experience has been exceptional which is not surprising given their 44-year track record.”

CAROLYN J. HAMLET

PRESIDENT, HAMLET FINANCIAL CORPORATION

Hi-Tec

“Montegra Capital was instrumental in funding our recent real estate purchase.  Without their resourcefulness and ability to get the deal done, I would have lost out on the deal of a lifetime.  Working with Bob, Kim and the team has been a real pleasure!”

LOUIS HARD

PRESIDENT, HI-TEC PLASTIC RECYCLING, INC.

Cushman

“I have worked with Montegra Capital for the past 3 years and find their team to be very responsive, professional and pleasant to deal with in meeting the needs of my clients.”

ESTHER KETTERING

SENIOR VICE PRESIDENT, CUSHMAN & WAKEFIELD

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Contact us today to discuss how Montegra can help grow your business.

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