What is a “hard money” loan? Conventional lenders utilize what has become known as the “5 C’s” in determining whether to make a loan. Credit History, Capital, Capacity, Collateral, and Conditions. Any one of the “Cs” found lacking can be overcome – EXCEPT the Credit History of the borrower. IF YOU MEET ALL THE CRITERIA, EXCEPT FOR CREDIT HISTORY go to our website www.pmfpartners.com, click on “Request a Loan Now” and fill out the online, interactive loan application to see if we can help you.