Commercial Lending MIOYM Style

Marc Cox of the Mioym Group discusses commercial lending


Often considered an asset class less volatile than stocks and a great option for passive income, real estate offers a tangible way to build wealth. Marc Cox says, Investing in real estate can diversify one’s portfolio, as real estate markets may behave differently than equity markets in times of economic distress. Additionally, real estate provides a hedge against inflation because property values tend to rise over time as the value of the dollar decreases. Lastly, real estate provides certain tax advantages to investors in the form of deductions, depreciation, and tax-deferred retirement accounts.

MIOM Commercial Capital was founded in 2008 to fund the purchase of non-owner-occupied residential and commercial properties, provide commercial bridge loans, and provide real estate-backed lines of credit. Marc Cox of the Mioym Group says we have benefitted from a turbulent housing market in which many real estate investors find opportunities. We provide short-term funding for fix & flips, rehabbing, and ground-up construction as well as long-term funding for rental holds. All loan approvals are made in-house, and we dedicate ourselves to closing deals quickly and efficiently, often within 7-10 days.

For those unfamiliar with real estate lending, hard money loans are short-term lending instruments used by investors to finance a project say Marc Cox of the Mioym Group. Also referred to as bridge loans, they are often a tool for house flippers and real estate developers aiming to renovate or develop a property before selling it for profit. They’re issued by private lenders instead of mainstream financial institutions and depend on the value of the targeted property instead of the creditworthiness of the borrower. Marc Cox says lenders focus on the “after repair value”, or ARV, to evaluate the potential worth of an investment after renovation or development. MIOYM Commercial Capital offers a wide variety of hard money loans.


Generally, our loans range from $50 thousand to over $10 million. Marc Cox of the Mioym Group says our bridge loans last for terms up to 36 months with interest rates starting at 5.5% and a required minimum FICO score of 650. Our fix and flip construction loans last for terms between 12 and 18 months in length with interest rates starting at 7.49% and a minimum FICO score of 650. Additionally, our rental hold loans have rates starting at 5.5% with a variety of fixed-term options.

Marc Cox says three other specific options we offer include ground-up construction, large balance commercial bridge, and mixed family/mixed use bridge loans. Ground-up construction loans generally last 2-36 months, have rates starting at 8.49%, and require a summary of experience. Large balance commercial bridge loans last up to three years with rates as low as 8.49% and a required minimum credit score of 650. Also, our mixed family/mixed use bridge loans last 12-36 months with competitive rates and a required minimum credit score of 650 says Marc Cox of the Mioym Group.

While these are just some of the loan options available, we understand that every situation is unique and want to work closely with your business to build a personalized funding strategy. If you have any questions or want to learn more about our services, please feel free to contact us at says Marc Cox. With no commitments, we would be happy to give you a free examination of the funding needs of your organization.

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