# Hard Money vs Commercial Loan: Which Does Your Deal Need?

> One question sorts every financing request: does the property already produce the income that supports permanent debt? A practical comparison, with a sorting table.

Canonical: https://www.matadorfunding.com/blog/hard-money-vs-commercial-loan/
Author: Matador Funding, a division of Matador Lending LLC
Published: 2026-09-02T12:00:00.000Z
Tags: Financing basics