California Hard Money Lenders

Looking for a hard money lender in California?  We've researched and selected the top verified and licensed private money lenders across The Golden State.

Whether you’re fix and flipping in Los Angeles, refinancing your San Diego warehouse or tapping into the equity of your San Francisco townhouse, these national and local Californian private money lenders are a great place to start. 

With its’ world class beaches, fantastic weather and diverse culture, The Golden State has some of the most expensive real estate in the nation.  

It’s the most populated state with over 40 million residents and if California were a sovereign nation it would rank as the fifth largest economy in the world.

Top California Hard Money Loans Summary

Full summary of California hard money loan providers























The 6 Best Hard Money Lenders in California

Crescent Lenders

Based out of Los Angeles, California, Crescent Lenders has provided hundreds of millions of dollars to both commercial and residential real estate investors since its inception in 2011.

They are a direct private money lender (not a broker) with rates from 7.99% and loan amounts ranging from $200k to $5 Million dollars.

Before You Apply
  • Loan Amount: Minimum of $200,000
  • FICO Score: Minumum of 560
  • Interest Rate: Minimum of 7.99%
Best Features:
  • Up to 75% LTV
  • Variety of loan types, purchase, refinance, cash-out, fix & flip, probate and 1031 Exchanges
  • 100s of millions in loans funded

ARCH Bridge Loans

Tap Your Way To More Deals

ARCH Bridge Loans is a direct money lender (not a broker) and have underwritten over $2 billion in commercial and residential bridge loans.

They provide funding for non-owner occupied real estate investment properties. They are self-funded and able to move quickly and their extensive experience as investors allows them to provide fast approval.

Best Features:
  • Self-funded and able to move quickly
  • Up to 100% of purchase price
  • Starting from 8% interest rate on 6 months terms

Avatar Financial Group

Responsive Service. Quick Closings. Direct Lender.

Avatar Financial Group is a leader in commercial hard money bridge loans offering solutions for non-conforming, income-producing real estate nationwide (excluding Nevada).

They provide loans on commercial, industrial, multi-family, retail, hotels, office and residential real estate. Their loans from $1 million to $100 million.

Before You Apply
  • Loan Amount: Minimum of $500,000
  • FICO Score: Minumum of 650
  • Interest Rate: Minimum of 8.99%
Best Features:
  • Funds commercial bridge loans from $1m to $100m
  • Direct Lender - They Are Not Brokers
  • Many property types including commercial, industrial, multi-family, retail, hotels, offices and 1 to 4 unit residential

The Norris Group

The Norris Group has been part of the California real estate investor community for over 20 years. 

They offer hard money loans across California and Florida starting at 6.9%.

Their loan programs range from standard fix & flips, buy and holds, to rentals and new construction.

Before You Apply
  • Interest Rate: Minimum of 6.90%
Best Features:
  • Award-winning investor resources and training programs
  • Private money loans in California and Florida starting as low as 6.90%
  • Private money lending programs specifically built for flippers, landlords and builders

Socotra Capital

Socotra Capital has over $200 million in assets under management and are a direct lender that manages and funds all of their loans in-house.

Their asset based loans range from $100k to $12mil, and they lend on a variety of loan types including fix & flips, refinance, purchases, bridge and ground-up construction.

Before You Apply
  • Loan Amount: Minimum of $100,000
Best Features:
  • Funds both experienced investors and first-time borrowers
  • Funds loans from as low as $100k to $12mil
  • Private hard money loans for residential and commercial real estate of all types

Civic Financial Services

Fast, Honest, Simple Lending

Civic Financial Services is a direct private money lender, working exclusively with real estate investors to fund non-owner occupied residential investment properties.

Since 2014 they've funded over $2.5 billion in residential real estate loans and have over 200 employees.

They have specialized loan programs for bridge, fix & flip, rental, refinance and mutli-family and lend to both experience investors and first timers.

Before You Apply
  • Loan Amount: Minimum of $100,000
  • FICO Score: Minimum of 400
  • Interest Rate: Minimum of 8.5%
Best Features:
  • Funds both experienced investors and first-time borrowers
  • Bridge loan rates start as low as 6.99%
  • Custom loan programs for fix & flips, rentals, refinances, multi-family and bridge loans

California Hard Money Stats

Loan Amounts
$25k to $125m
Interest Rates
4.25% to 15%
Term Lengths
1 to 360 months
Origination Points
0.5 to 5 points
Loan to Value Ratio
60% to 90%
Loan to Cost Ratio
65% to 100%
Closing Time
2 to 25 days

Top Hard Money Lenders by State

Looking for a Hard Money Loan?

Select your state from the interactive map to find the best hard money lenders near you.
Whether you are looking for funding for a fix & flip, purchase, refinance or cash out, we have an extensive list of verified hard money lenders across the USA.
Get Funded Today
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