Guardian Lenders

About Guardian Lenders

Guardian Lenders is a Las Vegas, NV based private lender providing loans in Las Vegas. They provide loans for many different situations and needs, including private commercial loans and short term loans. Their lending guidelines are flexible, including loan amounts ranging from $1,000,000 to $100,000,000. They will make loans on all of the following types of properties: multi-family, apartments, offices, retail spaces, hotels/motels, storage buildings, senior housing facilities, mixed use buildings, warehouse spaces, industrial facilities, medical facilities, and undeveloped land.

Loan Types Offered: Commercial Hard Money Loans, Bridge Loans

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

Areas Served: Las Vegas

Lending Guidelines for Guardian Lenders

Below are the general loan guidelines published on the Guardian Lenders 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 Guardian Lenders.

Loan Example 1

Guardian Lenders issues a hard money loan to Nelda for the acquisition of a new office space after she is denied a conforming loan by her credit union due to a subpar credit rating. The new property is listed for $170,000. Based on a 50% loan to value (LTV) set by the lender, the loan principle will be $85,000. The remaining $85,000 will be be paid by Nelda. Additionally, the lender will charge a 5 point origination fee to go along with the 9%, 6 month term on the note. They will not enforce a pre-payment penalty in the event that Nelda pays off the note early. Under the terms of the loan, Nelda will need to pay an origination fee of $4,250 when the loan closes. She will also begin making payments of $638 each month throughout the duration of the note and will repay the principle amount at the end of the 6 month term. Should she decide to pay off the note earlier, she can do so with no additional cost since there isn't a pre-payment penalty associated with the note.

Loan Example 2

Kelsey is a real estate investor in Las Vegas, NV. She locates a run-down house for a renovation project and obtains a hard money bridge loan from Guardian Lenders with the following paramters:

$380,000 purchase price
75% loan-to-value (LTV)
12 month term
14% rate of interest
5% origination fee

Kelsey intends to sell the house when the note expires for $494,000. If she achieves this goal, the final numbers would be as follows:

$494,000 sales price
- $285,000 principle (75% LTV)
- $95,000 cash paid at closing (25% on 75% LTV)
- $14,250 origination fee (5% of the $285,000 principle amount)
- $39,900 interest payments (12 months x 14% interest)
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= $59,850 gross profit (doesn't include taxes or rehab costs)

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