Category Archives: Hard Money Loans

Hard Money Fully Explained In 5 Simple Points

Hard money is not difficult to understand. In fact, its foundational principles are pretty basic. Below is a full explanation of hard money in five simple points. If you can grasp these five points, you will know enough about hard money lending to determine whether it is an option worth considering.

5 Important Questions to Ask Before Choosing a Lender

You have choices in your search for commercial funding. You can go directly to a bank or credit union. You can work through a broker. Depending on what you are trying to fund, you can even approach a hard money lender like Actium Partners. But like anything else, you shouldn’t settle on the first one […]

All Hard Money Is Private Money But Not Vice-Versa

Actium Partners, a Utah hard money lender, discusses how hard money is private money but not all private money is hard money.

How to Decide If Hard Money Is Your Best Bet

Actium Partners discuss how to tell if a hard money loan is the best option for you.

4 Reasons to Establish a Strong Relationship with Your Lender

Actium Partners discuss why it’s important for borrowers to have a strong, positive relationship with their hard money lenders.

Why It’s Unwise to Request 100% Funding for Your Project

Loan-to-value (LTV) ratios are as common to hard money as they are to traditional lending. Rare is the hard money lender who routinely offers 100% financing. Unfortunately, it is not uncommon for investors new to the real estate market to request it. If you’re just getting your feet wet in real estate, know this: it […]

Just How Quickly Can a Hard Money Loan Be Arranged?

One of the main selling points of hard money loans is speed. Loans can be arranged much faster compared to bank loans. How fast? That depends on the circumstances. But here at Actium Partners, we have been known to get it done in 24 hours. That is not the norm, but it is still possible. […]

How to Mitigate Risk as a New Real Estate Investor

Real estate has historically been a solid long-term investment. It has its risks, but real estate generally provides a very good return on investment over long periods of time. The key to success is to mitigate risk while looking for opportunities to maximize returns. As hard money lenders in Salt Lake City, we have financed […]

Actium is Still Lending Even as Rates Rise

With significant inflation looming over the economy, the Federal Reserve has indicated that another rate hike is on the way. We are not surprised. As early as the beginning of Q4 2021, we thought it highly likely that rates would start climbing. That is what the Fed does when inflation looks like it’s getting out […]

How Hard Money and Bridge Loans Can Have Such Short Terms

A hallmark of hard money lending is the relatively short lending term. During the final quarter of 2021, we made a number of loans with nine-month terms. One particular loan we made was for 60 days. This makes perfect sense to our team. It doesn’t always make sense to borrowers. We prefer short terms to […]