commercial loans, For system implementation projects (in process) that have not yet finalized the classification structure, use the HARD MONEY LENDERS PROGRAM structure as a framework to the extent possible. Agencies need to keep in mind that the central reporting agencies will require several years to implement the HARD MONEY LENDERS PROGRAM structure. . commercial loans california Included in the Financial loans for Business initiative is this project to establish a common private mortgage lenders-wide account classification structure— a uniform structure and set of definitions for classifying the financial effects of agencies’ business operations. Establishing a HARD MONEY LENDERS PROGRAM structure supports the Financial loans for Business standardization goal that will lead to efficiencies in Federal financial management.