Hard money lenders tyically don’t have minimum credit score requirements because they do not focus as heavly on a credit score like a bank would. Yes, many hard money lenders pull credit, but it is usually not the primary factor in their lending decisions. Unlike traditional lenders, hard money lenders focus more on the real estate property along with the property’s value and equity than the borrower’s credit score. A higher credit score can sometimes lead to better loan terms, lower interest rates, or reduced down payments. But even borrowers with low credit can still qualify if they have a good project and a solid game plan (have the ability to execute/perform on their project).  Hard Money Bankers has no minimum credit score requirments on commercial loans.