Office building under renovation with scaffolding, the type of property financed with commercial hard money loans in St. Louis.

    Commercial Hard Money Lenders in St. Louis, Missouri

    CapitalAx places commercial hard money loans from $500,000 to $100 million across St. Louis, Clayton, St. Charles, Chesterfield, and O'Fallon. Private lenders in our network close in as little as 7 to 21 days.

    Get terms from 350+ lenders

    A CapitalAx broker responds within one business day.

    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 St. Louis

    St. Louis has one of the largest inventories of older commercial and industrial buildings in the Midwest, and renovation and adaptive reuse are a steady source of projects. Downtown office buildings are being repositioned as tenant demand shifts, while healthcare and university employers support demand in the central corridor and Clayton. Entry prices are low compared with most major metros.

    Common Scenarios

    • Downtown office buildings being converted or repositioned
    • Historic rehabilitation projects
    • Multifamily value add
    • Warehouse and industrial purchases

    Recent CapitalAx Closings

    Frequently Asked Questions

    We arrange loans across St. Louis City, St. Louis County, and St. Charles County, and throughout Missouri.

    Some will. Lenders focus on the purchase price or value, the business plan, and the equity in the deal.

    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.