Hard Money Loans of Jackson Hole

Property Program

Commercial Properties in Jackson Hole, WY

Capital for office, retail, industrial, and mixed-use commercial buildings throughout Jackson Hole and the greater Teton County region.

Commercial Properties in Jackson Hole

Commercial properties including office buildings, retail centers, industrial facilities, and mixed-use developments can be financed through our specialized commercial lending programs. We understand the complexities of commercial real estate and offer solutions for acquisitions, refinances, and value-add opportunities. Jackson Hole's commercial real estate market serves both the local community and millions of annual visitors.

Our commercial loans help investors capitalize on opportunities in this dynamic market with financing that moves at the speed of business. Town square retail, office space serving local businesses, mixed-use developments combining residential and commercial, and hospitality properties all present investment opportunities. When traditional banks decline due to timing, property condition, or complexity, our hard money commercial loans provide an alternative path to funding.

Commercial Lending Experience in Resort Markets

Our commercial lending team has deep experience with various property types and deal structures. We can finance stabilized properties, value-add opportunities, and complex transactions that traditional lenders may not consider. We understand that Jackson Hole's commercial market operates differently, seasonal tourism drives retail and hospitality, while year-round residents and businesses create steady demand for office and service space. Property values reflect the premium associated with the Jackson Hole brand.

Asset-Based Underwriting for Commercial Real Estate

We focus on property value, income potential, and transaction viability rather than rigid underwriting guidelines. Our commercial loans evaluate the asset's fundamentals, rent roll, lease terms, market position, and value-add opportunity. For owner-occupied commercial properties, we consider the business's operational history. This asset-based approach opens financing options for business owners and investors who may not qualify through traditional channels.

Commercial Loan Programs

We offer multiple financing options for commercial properties:

  • Acquisition Financing: Purchase office, retail, industrial, and mixed-use properties
  • Refinance Loans: Access equity or improve terms on existing commercial assets
  • Bridge Loans: Short-term financing for acquisitions or repositioning
  • Construction Loans: Ground-up development or major renovations
  • Cash-Out Refinancing: Access equity for business or investment purposes

Commercial Property Types We Finance

Our commercial lending programs cover diverse property types throughout Jackson Hole and surrounding areas:

  • Office buildings and medical offices
  • Retail centers, storefronts, and standalone retail
  • Industrial and warehouse properties
  • Mixed-use developments
  • Hospitality and restaurant properties
  • Owner-occupied commercial real estate

We evaluate each property based on its fundamentals and your business plan. Stabilized properties, value-add opportunities, and transitional assets can all qualify.

Jackson Hole Commercial Market Expertise

Jackson Hole's commercial market has unique characteristics. The town square and surrounding areas serve both residents and tourists, creating retail and hospitality demand. Office space serves local businesses, professional services, and the real estate industry. Mixed-use developments combine residential with ground-floor commercial. Our team understands these dynamics, from valuing retail with strong seasonal patterns to underwriting office space serving the local economy. We bring this local expertise to every commercial loan evaluation.

Frequently Asked Questions

What types of commercial properties do you finance?

We finance office buildings, retail centers, industrial properties, mixed-use developments, restaurants, medical offices, hospitality properties, and owner-occupied commercial real estate. Properties can be stabilized with tenants in place or transitional/value-add opportunities. We evaluate each property based on its fundamentals and your business plan.

How quickly can I close on a commercial loan?

We typically provide initial evaluation within 24-48 hours and can close commercial loans in 2-4 weeks depending on property complexity. Our process is significantly faster than traditional commercial lenders. For time-sensitive acquisitions, we can expedite the process.

What loan amounts are available?

Our commercial loans range from $250,000 to $10,000,000. Loan amounts are based on property value, typically up to 70% LTV for stabilized commercial properties. Value-add and transitional properties may qualify for lower LTV. We'll structure the appropriate amount for your transaction.

Do you require personal guarantees?

Loan structure varies by deal. Some commercial loans may include recourse to the borrower; others may be structured with limited or non-recourse provisions depending on property type, sponsorship, and risk profile. We'll discuss the specific structure for your transaction.

Can I use a commercial loan for cash-out refinancing?

Yes. Our commercial loans can be used for acquisitions, refinancing existing debt, or cash-out refinancing to access equity for business purposes, additional acquisitions, or other investments. We evaluate based on property value and your use of proceeds.

Loan Programs

Commercial Real Estate Loans
Hard Money Bridge Loans
Equity Financing Loans
Short-Term Investor Loans

Features

Loan amounts from $250,000 to $10,000,000
Up to 70% LTV on stabilized properties
Up to 65% LTV on value-add opportunities
Interest-only and amortizing options
Non-recourse available on select deals
Flexible prepayment structures

Requirements

Commercial or mixed-use zoning
Environmental Phase I assessment
Property condition assessment
Rent roll and lease abstracts
Financial statements for income-producing properties
Adequate debt service coverage ratio