Commercial Lending Services

H&O Capital Funding

Financing a commercial or residential investment property has gotten more difficult in recent years. Banks rarely understand the upside potential that smaller, community-focused investors see. The result: endless red-tape that leads to missed opportunities.

Who has the time to jump through hoops to secure funding when great deals become available? H&O Capital Funding is a direct lender and never acts as a broker. In fact, H&O Capital can give you the loan you need quickly and efficiently, with closings in as little as ten days.

We are a direct lender, with funds available for loans backed by commercial and residential investment properties. We offer fast approvals on short-term financing in amounts up to $25 million. Unlike some commercial lenders, we regularly fund smaller loans ranging from $250,000 to $1 million. We aim to close deals quickly and we lend money for many reasons, including to help buy property, fund a balloon payment, stabilize a property threatened with foreclosure, or operate until permanent financing can be obtained.

Find Out How H&O Capital Can Help You

We start by listening to understand the opportunity and the obstacles, then we quickly bring our extensive commercial real estate and financial experience to bear in order to help you realize your vision. You’ll have the advantage of a team of real estate experts to help guide you through the entire process, to make your dreams a reality.

You hear a lot about tech start-ups and relationships with their early-stage investors. And one thing you will hear from just about every entrepreneur, angel investor and venture capital manager is to never take dumb money. The ideal investor understands the opportunity and has the experience to help it succeed.

Our in-house team of commercial real estate brokers, appraisers and loan officers collaborate to help shore up your investment for a solid future. Our expertise combined with our capital resources makes our money your smart-money. Developing a relationship with hard money lenders that have your best interests in mind is the key to success. You can borrow with confidence knowing you’re working with a commercial lender that cares.


States We Cover:
New York, New Jersey, Connecticut, Massachusetts and Pennsylvania

Starting at 8%, interest only

1 to 2 year terms

Loan to Value:
Up to 75% for loans of $3 million +
Up to 70% for loans of $1.5 million to $2.99 million
Up to 65% for anything below $1.5 million

Varies, typically no more than 2% of the loan amount. Can sometimes be structured as exit fees (deferred until payoff)

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