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Delaware

Fast Commercial Bridge and Hard Money Loans in Delaware

Delaware is small, but its commercial property is varied: Wilmington's older buildings, the Newark and Dover markets, and seasonal retail near the beaches. Veraciti Capital makes fast commercial bridge and hard money loans across Delaware with its own money.

  • Speed
  • Limited Paperwork
  • No Full Appraisal
  • No Minimum Credit Score
  • Quick Closing
  • Our Own Money
  • Balance-Sheet Lender
Start Your Application Call (202) 595-5472

Commercial loan programs in Delaware

We offer short-term, first-lien commercial financing across Delaware:

Why Delaware investors choose us

Every loan is funded with our own money. As a balance-sheet lender, we have no institutional capital behind our loans and no outside committee to satisfy, so the people who review your deal make the decision. Expect limited paperwork, an in-house or BPO valuation with no full appraisal, no minimum credit score, and closings in about 2 weeks or less, subject to underwriting.

Loans typically run $100,000 to $2,000,000; smaller loans, and larger loans up to $5,000,000, are considered case by case. Rates are 10.99% to 12.99% (current typical range; subject to change, market conditions and underwriting), with 2 to 4 points, interest-only payments, up to 70% LTV or LTC on a first lien, and a term of 12 months, plus one optional 6-month extension.

Property types we finance in Delaware

How investors use our financing in Delaware

Wilmington mixed-use and apartments

Older mixed-use and apartment buildings in and around Wilmington often need renovation or re-tenanting before they fit a bank. A bridge loan funds the work and the time.

Highway retail and light industrial

Retail and light industrial buildings along Delaware's main highway corridors frequently change hands with lease-up or maturity issues that call for a quick, flexible lender.

Seasonal beach-area retail

Retail near the Delaware beaches can earn much of its income in season. We look at the full-year picture and the leases in place when sizing these loans.

Before you submit a Delaware deal

Check local zoning and permitting early, and be ready to explain any seasonal swings in income. Send us the leases or rent roll, the operating history you have, the renovation scope and your exit plan.

What we don’t lend on

  • Owner-occupied homes or any property the borrower will live in
  • Loans for personal, family or household purposes
  • Ground-up construction or land loans
  • Second liens or mezzanine financing
  • DSCR or long-term rental loans (we make bridge loans only)
Clear Answers

Delaware Commercial Loan Questions

Do you make commercial real estate loans in Delaware?

Yes. We make business-purpose commercial bridge and hard money loans in Delaware on multifamily (5+ units), mixed-use, retail and restaurant, office, light industrial and self-storage properties.

How fast can you close a commercial loan in Delaware?

Closings typically take about 2 weeks or less, subject to underwriting, valuation, title and how quickly diligence items come in.

What are your rates and loan sizes in Delaware?

Rates are 10.99% to 12.99% (current typical range; subject to change, market conditions and underwriting), with 2 to 4 points. Loans typically run $100,000 to $2,000,000; smaller loans, and larger loans up to $5,000,000, are considered case by case, with a term of 12 months, plus one optional 6-month extension.

Do you need a full appraisal or a minimum credit score?

Neither. There is no full appraisal: we value properties in-house or with a broker price opinion (BPO), and we do not set a minimum credit score. Paperwork stays limited to what the deal needs.

Do you lend on seasonal retail in Delaware?

We review seasonal properties case by case, looking at the leases, full-year income and the location. Tell us how the property performs in and out of season.

Whose money funds the loan?

Ours. Veraciti Capital is a balance-sheet lender that funds loans with its own money. There is no institutional capital behind the loan, so no outside investor guidelines or committees decide your deal.

Loan Programs

Commercial Hard Money LoansAsset-based loans for deals a bank cannot fit or cannot close in time.Commercial Bridge LoansShort-term financing to buy, refinance, renovate or lease up, then exit.Small Balance Commercial LoansLoans of $100K-$2M for smaller commercial and multifamily properties.

Property Types

Multifamily LoansApartment bridge loans for 5+ units: value-add, lease-up, heavy rehab, stabilized.Mixed-Use LoansStorefront-and-apartment buildings, including vacant ground floors.Retail & Restaurant LoansStrip centers, storefronts and restaurant buildings, investor- or owner-occupied.Office Building LoansSmall and mid-size office buildings in transition, case by case.Light Industrial LoansFlex, small warehouse, workshop and contractor buildings.Self-Storage LoansFacility purchases, lease-up, expansions and value-add plans.Single-Family Rental & Residential Investment Loans1-4 unit rentals and high-end residential, non-owner occupied only.

Where We Lend

Washington, DCMarylandVirginiaPennsylvaniaNew JerseyNorth CarolinaAll states

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Direct underwriting review without bureaucratic delays.

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