Do you make hard money loans in Wyoming?

Yes — Cheyenne, Casper, Laramie, Gillette and Rock Springs, first position, $100K–$10M, up to 80% LTV, for business purposes.

Hard Money Loans in Wyoming

Hard money loan terms in Wyoming

Loan size: $100K–$10M
Term: 6–18 months
Position: First position (a second position is the rare exception)
Max LTV: Up to 80%, residential or commercial
Rates: Rates as low as 11% for prime-market, low-LTV loans; most first-position loans start around 12%.
Payments: Monthly, interest-only; prepayment allowed
Speed: Term sheet typically within 5 business days; close typically around 10 days once diligence is in
Purpose: Business purpose only — not consumer mortgages

Final pricing depends on the property, the market and the exit; fees are stated in the term sheet before you pay for diligence. Documents we ask for

The Wyoming market for hard money

Wyoming is the least-populous state we serve — about 588,000 residents in July 2024 by Census Bureau estimate — so we focus on its five largest cities, where commercial property can be valued with confidence.

Wyoming population: 576,844 (April 2020 base) to 587,618 (July 2024), +1.9%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Wyoming

Owner-user commercial and industrial property, including energy-services yards.
Investment residential and small multifamily held by a business.

How Wyoming deals typically use hard money

Gillette or Casper energy-services cash-out

A services company releases equity in its yard and shop for equipment, repaid from contract revenue.

Illustrative structures, not specific client transactions.

Wyoming trust deeds, foreclosure and title — the basics

Wyoming mortgages with a power of sale can be foreclosed by advertisement: notice is published for four consecutive weeks, and written notice goes to the record owner and occupant at least ten days before the first publication. (Wyo. Stat. §§34-4-103, 34-4-104)
Wyoming closings run through a title company; we order title and valuation at the term sheet.

General information, current as of October 2026 — not legal advice. Statutes change; confirm with Wyoming counsel or your title company.

Hard money loans in Wyoming