Loan Details

H & O Capital Funding specializes in commercial lending in Westchester, Manhattan, the Bronx and the surrounding tri-state area. Our expertise in real estate enables us to evaluate loan applications quickly and make timely decisions. H & O Capital Funding is a branch of Houlihan & O’Malley Commercial Real Estate Services, based in Bronxville, NY.

We are a direct money lender, with funds available for loans backed by real estate holdings. We can offer fast approvals on short-term financing and long-term loans in amounts up to $15 million. Unlike some commercial lenders, we regularly fund smaller loans ranging from $150,000 to $1 million. Working with our private investment partners, we move to close deals quickly. We lend money for many reasons: To help borrowers buy property, fund a balloon payment, stabilize a property threatened with foreclosure, or operate until permanent financing can be obtained. Find more information on types of loans and loan details below. 

We will lend on all property types EXCEPT owner-occupied homes, condos or coops. We will work with you on to structure a loan based on equity available. Brokers are always protected.

For fastest response, complete an application and we will contact you. Or call our office at 914.620.6432.

Decisions in a New York Minute

Commercial Bridge Loan
Bridge Loans are short to medium-term financing – intended to bridge a funding gap until a lender can obtain permanent financing from a bank or other source. Loans are backed by real estate collateral. Fast decisions and closings. Apply now

Commercial Hard Money Loan

Commercial Hard Money Loans provide funds for transactions that are backed by collateral but do not qualify for bank funding. Hard money loans are collateral-based loans. Hard money loans provide financing based on a property’s value and other collateral. They carry higher interest rates than conventional loans. Apply now

Short-Term Loans for Distressed Properties

Collateral-based loans intended to provide funding to stabilize a property threatened with foreclosure so that the property can be sold or shored up financially. Apply now

Residential Investment
Private financing for investors purchasing single family or multi-family residential properties for flipping, rehabbing or rental. Private mortgages can be an expedient way to secure the financing you need to jump on a great deal quickly, without the bureaucratic toil associated with traditional mortgage lenders. Apply now