Hard Money Loans in Southern California
Asset-based financing for investors who need to close fast, based on the property’s value instead of your paperwork.
- 30+ years of experience
- Close in days
- Flexible credit
What Is a Hard Money Loan?
A hard money loan is a short-term loan secured by real estate and made by a private lender. Approval depends mostly on the property’s equity and value.
Investors use it when speed matters more than rate, or when a bank can’t approve the deal.
Why Choose a Hard Money Loan?
When the opportunity won’t wait for a bank.
Fast Funding
Close in days to win competitive or time-sensitive deals.
Equity-Based Approval
The property’s value matters more than your income.
Flexible Credit
Past credit issues don’t automatically disqualify you.
Unique Properties
Finance properties banks won’t, including those needing major work.
LLC Friendly
Borrow in your company or trust name.
Clear Exit Plan
Refinance or sell once the property is stabilized.
Do You Qualify?
Hard money is simpler to qualify for. Lenders focus on:
- Enough equity or down payment, often 25% to 35%
- The property’s current or after-repair value
- A clear plan to repay: sale or refinance
- An investment or business-purpose property
- Cash to cover closing costs and interest
Need to Close Fast?
Tell us about the property and your deadline. We’ll let you know quickly what we can do.
Prefer email? Send us a messageHard Money Loan Questions
How fast can a hard money loan close?
Often within days once the property is valued and the title is clear, much faster than a bank loan.
Why are rates higher than a bank loan?
Private lenders take on more risk and move faster. The higher cost is short term, since most borrowers refinance or sell within a year or two.
Does my credit score matter?
Less than with a bank loan. The property’s equity is the main factor, though credit can affect your terms.
Can I use a hard money loan for my home?
These loans are for investment and business-purpose properties. For a home you’ll live in, ask us about bank statement and other flexible options.
What’s the difference between hard money and fix and flip loans?
Fix and flip loans are a type of hard money loan built around renovation. See our fix and flip loans for projects with a rehab budget.
Helpful Guides
What Is a Non-QM Loan?Read →
Run the Numbers First
Estimate payments and plan your exit before you commit.
Get Funded in 3 Simple Steps
Tell Us About the Deal
Share the property, your plans, and your timeline.
We Structure the Loan
We match you with the right lender and terms.
Close and Get to Work
Fund quickly so you can move on the opportunity.