A commercial realty loan in which the borrower is given funds based on the property's value, typically 50% to 50%, and at a higher interest rate than what a bank would charge. This is the most common type of hard cash. 

You can also get hard money business loans via https://taylormadelendingllc.com/.

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This financing does not require that the borrower or the property owner have any income to support the repayment of the loan. A real estate loan to purchase a residence if the borrower is unable to prove their income. This can be done with financing from the seller who is willing to accept the risk of nonpayment.

A junior lien on income-producing commercial real estate, where the first lien has been very large. A million-dollar second lien on income-producing commercial real estate behind a ten-million-dollar first lien. 

Because of the risk of defaulting on the first lien, most lenders won't consider this type of loan. This is ten times riskier than a secondary loan. Most loans are available to those with poor credit. 

Credit scoring is a key component of many loans. You will not be approved for a loan if your credit score is not high enough to meet the lender's requirements.

Receivable financing for construction contractors, medical providers, or sellers of agricultural products. These sectors are not eligible for most factors due to the complexity and risks involved.

Purchase order financing is available for items with a gross margin of less than twenty percent. A margin of twenty percent is an indicator that a transaction has sufficient profitability to cover all financing costs and generate profits after all costs have been paid. Margins can be squeezed during difficult economic times. It's a vicious circle.