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T & M Commercial Funding

Specializing in hard money real estate lending of all property types

Bridge Loan

Property Types SFR, Funeral Home, Hotel, Medical Office, Mixed use, Motel, Multi Family, Place of Worship, Self-Storage, Strip Center, Warehouse
Lending Areas NATIONWIDE
Prepayment Penalty No Prepayment Penalty
Amortized or Interest Only Interest Only
Term 1 year, 2 year, 3 year, 4 year
Loan amount Minimum $25,000
Loan amount Maximum $1,000,000
Lien Position 1st
General Pricing or Guideline info https://tmfunding.com/hard-money-lending/ T&M Commercial Funding is currently lending on all commercial and non-owner occupied residential real estate. Here is a list of our general terms and lending parameters: No upfront Fees No prepayment penalty fees 1-4 year interest only loans Loan amounts 25k-1M Common Sense Underwriting Cash-out Refis, Purchases, Cross collaterization, Rehab & more Here is a list of the types of properties we have lent on: Motels/Hotels Strip Malls Storage Facilities Warehouses Funeral Homes Churches Single Family Homes Multi-Units Medical Offices Mixed Use Commercial Properties & more!
Updated as of 2024-01-11

Summary of all Guidelines

Loan Types Bridge Loan
Property Types Church, Funeral Home, Hotel, Medical office, Mixed use, Multi Family, Place of Worship, Self-Storage, SFR, Shopping Center, Strip Center, Warehouse
Lendding Area NATIONWIDE
States Excluded California, Nevada, North Dakota, South Dakota
Loan amount Minimum $25,000
Loan amount Maximum $1,000,000
Terms 1 year, 2 years, 3 years, 4 Years
Prepayment Penalty none
Occupancy Owner, Vacant, Tenant
Intended Occupancy Owner, Vacant, Tenant
Interest Only or Amortized Interest Only

T&M Commercial Funding provides equity based lending on all property types. We cater to Investors, brokers, Corporations and sub-prime money borrowers who do not meet the stringent requirements set forth by conventional lenders and banks.

Our excellent reputation as a Direct Hard Money Lender has been built on our ability to provide fast financing solutions for borrowers who have come across financial challenges, and are in need of alternative & creative financing solutions.

Brokers
Loyalty. Brokers like yourself have been the backbone of our business since day 1. We try our best to provide our brokers with the tools needed to successfully sell our loan product.

If you’re already part of the T&M Broker team, we appreciate your hard work! If you’re just finding out about T&M and you’re interested in learning more, please read on to learn what T&M has to offer and how to get started.

Key Reasons why you should submit your loans to us!

No upfront Fees. Today’s market is flooded with scams and lenders who can’t perform. If we don’t fund your deal, we don’t make a dime!
Quick turnaround. Our typical time frame from submission to closing is 2-4 weeks.
Appraisal Alternatives. Our underwriters rely on 3rd party BPO’s to evaluate the value of your borrowers property. These reports take a few days to a week vs. Standard Appraisals which can cost your borrower thousands and take roughly 30 days.
We lend in 46 states. We do not lend in CA, NV, ND & SD.
Common Sense Underwriting. T&M prides itself on our common sense underwriting. Our team has been originating and funding loans since the late 90’s and have a proven and successful track record.
Variety. We lend on a variety of property types which keeps us in the running on almost any scenario you may have. Fix n’ Flips, Strip Malls, RV parks, Multi-units, Raw Land, Single Family Homes, Mixed use properties, industrial, any type of commercial property and more!

Hard Money Lending
T&M Commercial Funding is currently lending on all commercial and non-owner occupied residential real estate. Here is a list of our general terms and lending parameters:

No upfront Fees
No prepayment penalty fees
1-4 year interest only loans
Loan amounts 25k-1M
Common Sense Underwriting
Cash-out Refis, Purchases, Cross collaterization, Rehab & more
Here is a list of the types of properties we have lent on:

Motels/Hotels
Strip Malls
Storage Facilities
Warehouses
Funeral Homes
Churches
Single Family Homes
Multi-Units
Medical Offices
Mixed Use Commercial Properties
& more!

Loan Servicing
T&M currently services over $20 Million in private mortgages. Our servicing includes the following:
Monthly Statements to the borrower/lender
Property insurance & property tax monitoring/notifications
Year end statements for borrower/lender
Payment receipt/disbursement to lender
Our Loan servicing product is very affordable! Please contact us today to find out more.

Our Team
Our Loan Officers have 40+ years of combined experience in the ”hard money” industry. If you’ve worked with one of these agents in the past, please continue to do so. If you’re unsure who you should contact, please use the form at the bottom of the page and specify how you heard of T&M from the drop down list to be directed to the appropriate agent.

T & M Commercial Funding is located in Lewiston, ME. They offer financing for Bridge Loans. The property type they primarily lend against is SFR, Multi Family, Church, Mixed use, Funeral Home, Hotel, Medical Office, Place of Worship, Self-Storage, Shopping Center, Strip Center and Warehouse. Their minimum loan amount is $25,000. Their maximum loan amount is $1,000,000. Maximum duration of 1 year;2 years;3 years;4 Years.

These descriptions are limited information and meant for general reference purposes.
134 Main St, 5th Floor
Lewiston, 
ME
 04240