4 DAY MORTGAGE is uniquely positioned to offer creative financing solutions for time sensitive or complex real estate transactions where funding may not be available through traditional lenders.

Where does commercial hard money fit in?

Bridge Financing

Do you have a property under contract with your deposit at risk because your financing that has fallen through or been delayed?  Has your current loan become due but your refinance financing been delayed and your current lender won't give you an extention?  We can step in with a short-term bridge loan to give you time to arrange for permanent financing.

Refinance and Cash Out

We can help refinance and cash out part of the equity in your property if liquidity is a problem. Additionally, the equity in your property can be a good, quick source of capital for other investment opportunities.

Acquisition, Entitlement & Development

If you want to acquire a property that is in the preliminary plat stage, we can finance the property all the way through to the final plat. We also provide construction loans for commercial projects. 

Emergency "Project Rescue" Loans

If you have an incomplete development we can help rescue the project.  We also fund developers who are stepping in to take over a project.

Mezzanine Funding

If you are missing a portion of the equity required by your construction lender, or you are seeking money that is less expensive than giving up equity, we can provide a mezzanine loan secured by a subordinate deed of trust against the project.

Distressed Borrower Liquidity

We handle high-risk situations such as poor credit scores, limited net worth, and prior bankruptcies to help you achieve liquidity fast. We consider borrower circumstances that would be impossible for a traditional lender to fund.

Loans to Fit Individual Needs

As specialists in creative loan structures, we can accommodate many different and unusual scenerios.