Articles

Case Study: Condos in Moab

One of our more recent loan deals came by way of an investor who needed fast financing after another lender could not fund. We had the opportunity to quickly assess the client’s collateral and create a suitable loan to get the deal done. These are the sorts of cases we specialize in here at Actium […]

Can You Get a Loan with a Low Credit Score?

  Credit score is one of the first things that comes to mind when people need to borrow money. It’s no different in the business world. Business owners worry about credit score when they want to borrow for an expansion product. Property investors and real estate developers worry about credit score when it comes time […]

Things to Consider When Choosing a Hard Money Lender

Deciding to fund a project with hard money starts the ball rolling on what could end up being a very good long-term relationship between you and your lender. As such, it pays to look at a number of different lenders and what they bring to the table. As hard money lenders ourselves, we welcome the […]

3 Advantages of a Hard Money Loan

Hard money loans don’t seem to get the same kind of attention as traditional bank loans. They are seen as somewhat of an outlier in many circles. That is not because there is anything inherently wrong with hard money. Rather, it is due largely to a misunderstanding of how hard money works. The truth is […]

If You’ve Filed for Bankruptcy, Can You Still Get a Loan?

Filing for bankruptcy certainly does a number on one’s credit. A bankruptcy can make it exceedingly difficult to borrow for years afterward. However, bankruptcy is not the financial death sentence so many people think it is. You can actually still get a loan if you know what to do and where to look. This post […]

What You Need to Know about House Flipping Loans

Obtaining loans for flipping a house was fairly easy 20 years ago. Almost anybody could walk in to a bank and walk out with a mortgage a short time later. That is no longer the case. Not only are mortgage lenders more discriminating, they are also more wary than ever about loaning to house flippers. […]

What is a Hard Money Loan?

Actium Partners is one of Salt Lake City’s leading providers of hard money loans. What is a hard money loan? It is a very specific kind of loan offered by private lenders to businesses and investors who have neither the time nor the interest to deal with banks. Hard money represents one of the easiest […]

Definitions of Common Hard Money Terms

Anyone new to hard money lending has quite a bit to learn. For example, there is a long list of words and phrases unique to the lending experience. A person who has never borrowed before would not be expected to know them. However, once borrowing becomes an option, it is important for potential borrowers to […]

How We Helped a Real Estate Firm Overcome a Roadblock

Hard money lenders like Actium Partners exist for one purpose: to do what banks cannot do. We loan money based primarily on collateral rather than personal credit history and other traditional factors. Furthermore, we do what we do quickly. Speed is one of the primary factors separating hard money from traditional bank lending.   A […]

Hard Money vs. Cash: Things to Consider

A real estate investor not wanting to run to the bank to finance a new investment basically has two options: hard money and cash assets. Both represent a way to invest without having to entangle oneself with bank financing. But which one is better? Actually, neither one. Each case has to be evaluated on its […]