Hard Money Loans of Jackson Hole

Loan Program

Commercial Real Estate Loans in Jackson Hole, WY

Flexible financing solutions for commercial property acquisitions, refinancing, and value-add projects throughout Jackson Hole and the greater Teton County region.

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Commercial Real Estate Loans in Jackson Hole

Commercial real estate loans offer investors and business owners fast, asset-based financing for purchasing, refinancing, or improving commercial properties. These loans are secured by the property itself and can be used for retail centers, office buildings, mixed-use developments, restaurants, and other commercial assets throughout Jackson Hole and surrounding areas. When traditional banks decline your commercial deal due to timing, property condition, or complexity, our hard money loans provide an alternative path to funding.

Jackson Hole's commercial real estate market serves a unique economy built on tourism, hospitality, and the needs of a wealthy residential base. Town square retail, office space serving local businesses, mixed-use developments combining residential and commercial, and hospitality properties all present investment opportunities. Our commercial loan programs understand these dynamics and offer financing that conventional lenders often cannot provide, whether due to property condition, lease-up requirements, or the speed needed to capture opportunities.

Commercial Lending Advantages in Jackson Hole

Our commercial loan programs offer advantages that traditional lenders cannot match. We provide faster approvals, often within 24-48 hours, enabling you to move on time-sensitive acquisitions. Our property condition requirements are more flexible, accommodating value-add opportunities and transitional assets. We can fund complex transactions including lease-up financing, cash-out refinancing, and bridge scenarios. Our team understands commercial real estate in resort markets and can structure loans that align with your investment strategy.

Asset-Based Underwriting for Commercial Properties

We focus on property value and transaction viability rather than rigid underwriting guidelines. Our commercial loans evaluate the asset's income potential, market position, and value-add opportunity. For owner-occupied commercial properties, we consider the business's operational history. For investment properties, we analyze rent rolls, lease terms, and market fundamentals. This asset-based approach opens financing options for business owners and investors who may not qualify through traditional channels.

Commercial Loan Features

Our commercial real estate program offers competitive terms for Jackson Hole area properties:

  • Loan Amounts: $250,000 to $10,000,000 for acquisitions, refinances, and improvements
  • Interest Rates: Starting at 10.5% based on property type and risk profile
  • Terms: 12 to 36 months with extension options available
  • LTV: Up to 70% on stabilized commercial properties
  • Property Types: Office, retail, industrial, mixed-use, hospitality, medical
  • Approval Time: 24-48 hours for initial evaluation
  • Documentation: Streamlined compared to traditional commercial lending

Benefits of Commercial Hard Money

Commercial investors and business owners choose our hard money loans for several key reasons:

  • Access to capital when traditional banks decline, we evaluate each deal on its merits
  • Asset-based lending focuses on property value rather than exhaustive borrower documentation
  • Acquisitions or cash-out refinancing, use proceeds for any legitimate business purpose
  • Streamlined documentation requirements, no months of financial statements for many deals
  • Local market expertise in Jackson Hole's unique commercial landscape
  • Fast decisions that respect your timeline and competitive situation
  • Flexible property condition requirements for value-add and transitional assets

Commercial Properties We Finance

We finance a wide range of commercial property types throughout Jackson Hole, Wilson, Teton Village, and surrounding communities. Retail properties include storefronts on the town square, strip centers, and standalone buildings. Office space, from single-tenant buildings to multi-tenant complexes, qualifies for our programs. Mixed-use developments combining residential and commercial components are supported. We also finance hospitality properties, medical offices, industrial and warehouse space, and owner-occupied commercial real estate. Each property type has unique considerations; our team can discuss your specific situation.

Jackson Hole Commercial Market Expertise

Jackson Hole's commercial market operates differently from typical markets. Seasonal tourism drives retail and hospitality, while year-round residents and businesses create steady demand for office and service space. Property values reflect the premium associated with the Jackson Hole brand. Our lending team understands these dynamics, from valuing retail with strong summer and winter seasons to underwriting office space serving the local economy. We bring this local expertise to every commercial loan evaluation.

Frequently Asked Questions

What types of commercial properties do you finance?

We finance office buildings, retail centers, industrial properties, mixed-use developments, restaurants, medical offices, hospitality properties, and owner-occupied commercial real estate. Properties can be stabilized with tenants in place or transitional/value-add opportunities. We evaluate each property based on its fundamentals and your business plan.

How quickly can I close on a commercial loan?

We typically provide initial evaluation within 24-48 hours and can close commercial loans in 2-4 weeks depending on property complexity. Our process is significantly faster than traditional commercial lenders, who often take 60-90 days. For time-sensitive acquisitions, we can expedite the process.

Do you require personal guarantees?

Loan structure varies by deal. Some commercial loans may include recourse to the borrower; others may be structured with limited or non-recourse provisions depending on property type, sponsorship, and risk profile. We'll discuss the specific structure for your transaction.

Can I use a commercial loan for cash-out refinancing?

Yes. Our commercial loans can be used for acquisitions, refinancing existing debt, or cash-out refinancing to access equity for business purposes, additional acquisitions, or other investments. We evaluate based on property value and your use of proceeds.

What documentation do you need?

Our documentation requirements are streamlined compared to traditional commercial lenders. We typically need property information, rent roll or lease abstracts for income properties, a brief operating history, and basic borrower information. We focus on the asset and transaction rather than exhaustive financial documentation.

Loan Features

Loan amounts from $250,000 to $10,000,000
Interest rates starting at 10.5%
Terms from 12 to 36 months
Up to 70% LTV on commercial properties
Flexible property types accepted
Quick approval and closing process

Benefits

Access to capital when traditional banks decline
Asset-based lending focuses on property value
Can be used for acquisitions or cash-out refinancing
Streamlined documentation requirements
Local market expertise and fast decisions

Other Loan Types

Residential Rehab Loans

Fast financing for residential property renovations and improvements in Jackson Hole.

Fix-and-Flip Loans

Specialized funding for investors buying, renovating, and reselling properties.

Rental Property Loans

Long-term financing for single-family and multifamily rental investments.

Hard Money Bridge Loans

Short-term financing to bridge gaps between transactions.