Leading Hard Money Firm

GenWealth Capital Commercial is a hard money mortgage company that specializes in hard money loans. The company was founded to provide a streamlined process in obtaining financing for real estate investors and developers.

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Exceptional Financial Products & Services

At GenWealth, we work hard to help our clients reach their goals and find exactly what they are looking for, no matter what type of project they are trying to finance. Our real estate mortgage firm has years of experience working with people in the local area and across the U.S. Our team has expertise in a wide range of hard money loans, financing areas, and different situations. We help investors and developers with investment properties, commercial loans, construction loans, bridge projects, buy and hold programs, flip and fix programs, and much more.


Come to our mortgage professionals for simple and easy financing for purchases, construction, building refinance, and more. One of our specialties is in financing projects that other lenders cannot. Choose us to make your next investment real estate project a reality. Our firm has a nationwide financing network, so we can provide you with hard money loans across the nation, giving you exactly what you need in just about any situation. Contact our team today if you have any questions.

Find Out More About Our Programs 

$0 Down Payment

We provide exceptional financing opportunities, with $0 down payment financing on rehab/add projects for those who qualify.

Bridge Loans

GenWealth provides great bridge loan options, with short-term mortgage or construction financing from private money lenders.

Construction Loans

We offer financing for a range of commercial construction projects. We will work with you to provide the loans and support you need to see your project to a successful finish.

Buy & Hold Programs

A buy and hold program can become a reality with financing from GenWealth. Our experts will work together with you to meet all of your investment needs.

Fix & Flip Programs

Fix and flip projects become much easier with financial support. Our team can help make a program come together.

What is a Hard Money Loan?

A Hard Money loan is mainly based on the value of the property as collateral and typically you can get a loan up to 75-80% of the property value. They are typically provided by Hard Money lenders. Usually, banks are interested in your credit scores and your income available to repay a loan. If you have a solid history of borrowing responsibly and the ability to repay loans (as measured by your debt to income ratio), you’ll get approved for a loan. Getting approved with a traditional lender is a painfully slow process – even with great credit scores and plenty of income. If you have negative items in your credit reports (or an income that is difficult to verify to your lender’s satisfaction), the process takes even longer and you might not ever get approved.

How do I get a Hard Money Loan?

Hard Money loans are typically issued by hard money lenders, private investors or companies. Interest rates for Hard Money loans are typically higher than conventional commercial or residential property loans. The positive of a Hard Money loan is that they tend to close faster; Typically between 15-45 days, depending on the complexity of the file. In addition, Hard Money lenders are typically more flexible than traditional banks and with most Hard Money lenders, the main strength of the file is the commercial property.

If you are tight on schedule and looking for a quick loan process with minimum paperwork, Hard Money Lenders are the way to go (almost same as you are purchasing with cash). Hard Money loans do serve a purpose to those who need money fast. Some of our Hard Money lenders are Asset Based, with minimal documents required. We have no documents, light documents, and full document programs. Terms vary but you can have very short terms up to three years with a variety of upfront costs.

If you have a commercial financing need, our Hard Money Lenders have a program for you. Whether you desire to purchase, refinance, or construct a commercial building, we are your best source for financing. Our lenders fund Hard Money loans nationwide.

Helpful Financial Resources from GenWealth

At GenWealth CapCo, you will not only get a commercial financing firm with high leverage, but you will get consultants that will make your process easier. What makes us different from other brokers is that we have formal credit training and backgrounds in commercial/business lending that can fully access your situation and find the lender that is suitable for you. Click the Contact Us tab at the top of the website, fill out the short form, and we can get you a Term Sheet within two business days. Foreign nationals are accepted.

Financial Checklist

GenWealth’s goal is to make financing as easy as possible. Our financial checklist is here to help you have everything you may need for a commercial loan.

Mortgage Glossary

The mortgage and financing industry is complex. Our mortgage glossary helps you understand some common terms, so you can navigate financing lingo easily.