Owner Occupied Hard Money Loans

Use Your Primary Residence for Business Funding

Traditional lenders often reject applications that use primary residences as collateral. That’s where El Toro Lending comes in—with owner-occupied hard money loans designed for business purposes.

Why Choose El Toro Lending
  • Expert navigation of complex regulations
  • Flexible underwriting
  • Same-day pre-approval and no credit score requirement
  • Legal, compliant funding for business use only
Loan Requirements & Limitations:
  • Proof of ability to repay
  • Full disclosure compliance
  • Limited use to business—not personal—expenses
  • Additional taxes and insurance may apply
Loan Benefits:
  • No prepayment penalties
  • Available to borrowers with past foreclosures or bankruptcies
  • Fast closings, even for non-traditional borrowers

🏡 Apply Today and let El Toro Lending help you leverage your primary residence for business success.