Helping entrepreneurs build successful companies through commercial real estate loans since 1954.
Were you rejected for a commercial mortgAge loan?
Our lower interest rates, quick decisions, and reliable term sheets make it easy for you to get the money you need even if you can’t qualify for a conventional bank loan.


Years in Business


Loans Funded




Loans Funded with Original Terms Offered
3 Reasons You’re Not Getting a Loan
Get the money you need to grow your business with Not So Hard Money® loans!

High Bank Requirements

We understand it can be hard to meet the bank's loan requirements. That's why we've created Not So Hard Money loans that are much more accommodating than conventional loans. 

High Interest Rates

High interest rates make it difficult to afford a loan. We make sure our loans are less expensive than hard money loans so you can get the money you need. 

Slow Closing Times

Banks can take months to close a loan, and that can make your business lose deals. Because we respect and value your time, we prioritize your application and can approve your loan within 48 hours and close within 3-4 weeks. 
Get the money you need to grow your business with Not So Hard Money® loans!

Accommodating Loans 

Don’t have the best credit score? Have a short borrowing history? Don’t stress about it! Our accommodating loans make it easy for you to qualify for a loan even if the bank rejects your request.

Lower Interest Rates 

Secure a fixed, low interest loan compared to typical hard money alternatives. We guarantee top of the market interest rates on loans. 

Quick Decisions

Our underwriting team will thoroughly review your loan request and issue a decision within 48 hours of submission. Once you’ve signed our term sheet, we typically close within 3-4 weeks or faster if necessary.

Risk-Free Inquiries 

Get risk-free loan inquiries, with up-front underwriting of your loan requests, at no cost. 

Flexible Terms 

We offer 2-year and 5-year terms. With a longer loan life, you get the time you need to qualify for bank financing. 

No Prepayment Penalties

With no prepayment penalties, you have the ability to move to conventional financing as soon as you’re ready.

Reliable Term Sheets

Over 95% of our loans close with the original terms given so you can have confidence in our term sheets. 

Long-Term Stability

As the lending arm of American Savings Life Insurance Company we have been making real estate loans for over 65 years. 

Industry Leadership

We are a founding member of the Arizona Private Lender Association, actively working to improve private lending throughout our industry. Our leadership team includes both the current and a former president of the association. 
Want to learn how to improve your chances of securing a commercial loan after a bank turns you down?
Register for our free 5-day Business Mortgage Approval course and find the best type of loan for you!
Lending in all 50 States
We offer commercial loans for properties in all 50 states.
Lending in all 50 States
We offer commercial loans for properties in all 50 states.
Don't just take our word for it...
See what others have said about their experience!
We work mostly on large transactions but have found American Life Financial to be a great resource for small balance commercial loans that don’t fit “the box” for other lenders. They’re responsive and move quickly.”
Adam Horowitz
“American Life Financial really means it when they say "not so hard" money lending. They offer great service, quick turnarounds and helpful solutions for businesses needing financing. I would highly recommend American Life Financial for business financing.”
Dan Villegas
"I needed money fast for a purchase of a resort in northern Arizona, I went to the Not So Hard Money lending team and they were awesome! Everything with the loan went so smoothly. They were quick to communicate, super friendly, and professional. Everything was explained thoroughly and I felt like they had my best interest at heart."
T.J. Lorenzen
Get the loan you need to grow your business!

How can we help you?

Frequently asked questions 

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