Brick mixed use building with storefronts and apartments above, the type of property financed with commercial hard money loans across Missouri.

    Commercial Hard Money Loans in Missouri

    CapitalAx places commercial hard money loans from $500,000 to $100 million across Missouri, including St. Louis, Kansas City, Springfield, and Columbia. Private lenders in our network close in as little as 7 to 21 days.

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    Typical Terms

    Typical commercial hard money loan terms
    Loan size$500,000 to $100,000,000
    Loan to valueUp to 65% to 70%
    Interest rate10% to 13%
    Origination1 to 3 points
    Term6 to 24 months, interest only
    Time to close7 to 21 days
    CollateralFirst lien on commercial or investment real estate
    Underwriting focusProperty value, equity, and exit strategy

    These are typical ranges across our lender network. Your terms depend on the property, leverage, location, and exit plan.

    Hard Money Lending in Missouri

    Missouri's two large metros anchor opposite sides of the state, and its central location makes it a national hub for rail, river, and highway freight. Most commercial loans here are secured by a deed of trust, and the non judicial foreclosure process gives lenders a clear remedy. Property prices are lower than on the coasts, so loan sizes that are small elsewhere can finance substantial buildings.

    Common Scenarios

    • Historic and older buildings being renovated
    • Industrial and warehouse purchases
    • Multifamily value add projects
    • Maturing loans that need a short term refinance

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    Frequently Asked Questions

    CapitalAx arranges commercial hard money loans statewide, including St. Louis, Kansas City, Springfield, Columbia, and Jefferson City.

    Yes. Lenders will want the renovation budget, any tax credit financing involved, and the plan to stabilize and refinance.

    See full program details, requirements, and how the process works on our commercial hard money loans page.

    Terms shown are typical ranges and are not a commitment to lend. All loans are subject to lender approval.