Silver Arch Capital

About Silver Arch Capital

Silver Arch Capital is a Hackensack, NJ based hard money lender. They provide loans across the US. They provide new construction loans, refinancing, and hard money loans for commercial properties. They offer terms between 1 year and 3 years, rates starting at 8% , and loan amounts ranging from $1,000,000 to $70,000,000 with a maximum LTV of 75%. They offer loans on most property types, including multi family residences, apartments, office units, retail spaces, hotels, storage buildings, senior housing facilities, mixed use spaces, warehouse spaces, industrial facilities, medical offices, and undeveloped land.

Loan Types Offered: Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans

Property Types Covered: Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Land

Areas Served: National

Lending Guidelines for Silver Arch Capital

Below are the general loan guidelines published on the Silver Arch Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Silver Arch Capital.

Loan Example 1

Manuel owns a small business in Salem, OR and decides to acquire a new warehouse to run his operations. Because he cannot secure a conventional mortgage loan from a bank, he turns to Silver Arch Capital for a commercial hard money loan. The building costs $230,000. Manuel will need to put 30% down, or $69,000, since the lender will fund only 70% of the acquisition (the loan to value or "LTV"). This means that the principle on the loan is $161,000. Additionally, the lender will collect a 1 point origination fee in addition to the 9%, 18 month term on the note. They agree to not enforce a pre-payment penalty in case Manuel pays off the loan before expiration. Manuel will be required to pay an origination fee of $1,610 and will then begin making the interest payments in the amount of $1,208 ($161,000 principle x 9% interest / 12 months per year). He may repay the note early if he chooses since there is not a pre-payment penalty but he is responsible for paying off the full principle amount when he concludes the loan.

Loan Example 2

Gabriel locates a property in Spring, TX to remodel and re-sell. Since he does not have enough cash to buy the property outright, he takes a hard money loan from Silver Arch Capital with the following parameters:

$150,000 purchase price
70% loan to value (LTV)
12 month term
8% interest rate
5% origination fee

Gabriel intends to sell the house when the note expires for $202,500. If he succeeds, the outcome would be the following:

$202,500 sales price
- $105,000 loan principle (70% LTV)
- $45,000 down payment (30% on 70% LTV)
- $5,250 origination points (5% of the $105,000 principle amount)
- $8,400 total interest paid (12 months x 8% interest)
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= $38,850 total profit (does not include taxes or renovation costs)

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