Category Archives: Hard Money Loans

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 […]

Hard Money and the Loan-to-Value Ratio

Much of what makes hard money unique is also that which makes this type of lending so different from traditional bank lending. On the other hand, we hard money lenders do have a few things in common with banks and credit unions. Among them is the use of the loan-to-value (LTV) ratio in determining how […]

Lending in Support of Rebounding Tourism

Tourism is a big part of the economy here in Utah. As such, we think it is important to consider investments in the tourism sector when they make themselves available. Such is the case with a loan we recently made for a multi-unit rental complex. The complex makes its money on tourism. With eight units, […]

In the Hard Money Game Both Borrower and Lender Are Investors

We talk an awful lot about investors when describing what we do. The reason is simple: the vast majority of borrowers we do business with are real estate investors. They rely on hard money and bridge loans to obtain choice properties they believe they can make money on. But when you stop and think about […]

The Truth About Hard Money Lending Might Surprise You

A lot of people believe plenty of inaccurate things about the hard money industry. Thanks to the omnipresent internet, the world is awash with misinformation about what we hard money lenders do. That is unfortunate because hard money proves itself a valuable tool time and again. It is too bad more people don’t know the […]

When to Consider Using a Hard Money Lender

As a business owner or investor, you have plenty of options for financing. Hard money is just one of them. While we appreciate the opportunity to provide hard money and bridge loans throughout Salt Lake City and the entire state of Utah, we get the fact that our loans are not always the best option. […]

3 Things Every Investor Should Know About 1031 Transactions

A year or so ago, we published a blog post discussing how investors could use hard money loans to complete time-sensitive 1031 transactions. Not much has changed regarding 1031 rules since then. However, the topic deserves to be revisited as we head into another tax season. Known as the 1031 Exchange, a 1031 transaction is […]

Hard Money, Bridge Loans, and Amortization

You can visit countless websites and find loan calculators based on the amortization principle. Amortization is a common practice for auto loans, mortgages, and other types of non-business funding. Even traditional small business loans are amortized. Is that the case for hard money and bridge loans? Usually, no. As private lenders, hard money lenders have […]

Is the Interest on a Hard Money Loan Tax Deductible?

We assume that most people looking to borrow from Actium Partners work with their accountants or tax preparers on strategies to reduce their tax liabilities. But if you are new to the whole hard money game, you might not know how a loan from us would affect your tax position. For example, is the interest […]