Our Hard Money Lending Process

Our Hard Money Lending Process

Quickly Close Your Deal

Close in as little as 7 days.

Trusted Hard Money Lender

Over 53 years of lending success.

Flexible Lending Options

Solutions for all situations.

Streamlined Hard Money Lending

Montegra Capital Resources is a hard money lender in Colorado, not a loan broker.  Our representatives have direct control over both funds and decisions.  Because of this, Montegra is able to streamline our hard money lending process so that borrowers get the funds they need more quickly.  You deal directly with the decision maker rather than a middle man or a loan committee.

Our process is focused around Montegra’s five values: Speed, Flexibility, Fair Pricing, Minimal Red Tape, and No Surprises.

Montegra’s Hard Money Lending Process

Submit a loan request/application in one of three ways: apply online for a private capital loan, email us, or call Bob or Kim at (720) 741-6620. This is where you’ll be able to explain your loan request and provide any requested supplemental material.

If the loan meets Montegra’s hard money lending requirements, then a Term Sheet is issued.  This Term Sheet is a detailed outline of how the loan will be structured, including pricing and all requirements.  Montegra will deliver the Term Sheet within 24 hours of receipt of all required materials. Once you approve the Term Sheet, a more detailed Commitment Letter is prepared and sent to the borrower – usually within 48 hours.

As the signed Commitment Letter is received, Montegra prepares the loan documents and the loan closes within one to two weeks of the underwriting approval.  The entire process from application to closing usually takes only 2 to 4 weeks.

Our hard money lending process has been developed over 50 years of continued business in the private capital lending industry.  Montegra continues to seek out opportunities to offer creative and flexible real estate financing and to serve the needs of our borrowers in the shifting climates of business and commercial real estate lending.  Our Smart Buyer Loan Program, which allows borrowers to access additional capital when they are purchasing a property for less than market value, is just one example of the ways in which Montegra strives to make hard money lending easier and more beneficial for our borrowers.