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Find top hard money lenders in California
Brass Financial Group
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Brass Financial Group
Brass Financial helps individuals and businesses secure funding when you most need it. With over 30 years of experience, we have built a reputation as a reliable lender that gives you the attention and care you can expect from a family-owner business. We are a direct private hard money lender that gets loans funded in days—not months that banks and other mortgage companies cannot or will not fund. We offer true No Income NO DOC Loans, Fix & Flip, Long Term Rental Loans, Cash out or Purchase, in addition to our Business, Personal and Commercial Loans. We also offer Joint Ventures opportunities to real estate investors, realtors and contractors who are looking to buy fix & flip properties. Brass Financial Group will partner with you and put up 100% of the funds needed in return for a percentage of your profits. Call today to learn more and reserve your funds! Talk to one of our lending specialists to see why people across the United States choose Brass Financial for their personal and business funding needs.
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Rapid Funding Solutions
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Rapid Funding Solutions
Specialties: Hard Money, Commercial Mortgages, Residential Mortgages
Rapid is an operational consulting firm specializing is customized funding solutions for small and medium-sized business. From cash flow, equipment, and vehicle needs, to inventory financing, real estate and special projects, Rapid has you covered.
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Jean Estil Lenders Specialist
Jean Estil Lenders Specialist
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Gem Star Capital LLC
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Gem Star Capital LLC
Connecticut based firm specializing in New York, New Jersey, Connecticut, East Coast Institutional and Non-Institutional Money for residential & commercial mortgages, land, site development, and construction and renovation financing. We have programs available Nationally as well. We are a mortgage lending professional team serving the Tri-State area, including New York, Long Island, New Jersey and Connecticut, Rhode Island, Pennsylvania... We have been providing commercial funding, construction/renovation and major remodel loan financing since 2009, and have extensive knowledge of the real estate industry to include construction/renovation approval process and have been arranging construction and renovation loans for over 25 years. We obtained our start in developing commercial real estate in 1989 while working for Coldwell Banker in Westchester County NY while serving all of Metro New York area. In July of 1999, we formed our parent company Gem Star Realty Corp., where we developed commercial and investment real estate projects in NY, CT and FL and continue to serve and manage such projects while adding our expertise in funding options in 2009. Gem Star Capital very has unique ways of structuring and putting deals together that others cannot. With our numerous connections in the lending industry, we can get your project funded quickly, in most instances. We look for the upside potential of the deal and drive that home to our investors and lenders. We specialize in construction financing for both ground up new construction or demolition and new construction as well as major and minor renovation/remodel projects. Gem Star Capital is one of few local lending firms representing a multitude of lenders which allows us to know how to put a deal together and get it CLOSED for you, the client. We look forward to hearing from you.
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Marin Capital
Marin Capital
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Nicobella Capital
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Nicobella Capital
My goal is most definitely to finance your next flip, your next flip and hold, your next rental portfolio refinance with a fixed thirty year term and or any other commercial real estate transaction. However my primary goal is to create a long standing relationship by providing full service, value and transparency to the deals I help you implement. This is accomplished by being on call, making sure all aspects of the deal on both sides are being completed in a timely manner and looking out for your best interest. Always ready when you are!  
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LendingHome (28 States)
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LendingHome (28 States)
LendingHome offers bridge loans and rental loans to real estate investors. Our loans are reliable, convenient, fast, and competitively-priced. Our built-from-scratch technology simplifies every stage of the loan process, ensuring easy financing for both novice and experienced real estate investors. With low costs, a transparent online dashboard, and a tailored experience alongside a team of experts, we’ve created a loan process designed to help our customers easily grow their businesses. It’s seamless, it’s supportive, it’s designed to help real estate investors win. LendingHome has originated more than $5.5 billion worth of loans for over 26,000 projects nationwide. GET A RATE DIRECTLY NOW: https://bit.ly/3aF7LVa
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Easy Street Capital
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Easy Street Capital
Easy Street Capital is a relationship lender with loan programs for every borrower. Regardless of experience or credit we are able to finance your next investment. Whether you are buying a property to fix up, building new construction, or generating cash flow from rental units Easy Street Capital has the solution. As a fully discretionary lender we have the ability to customize a loan specifically to meet your individual needs. We look forward to assisting you with your next project. You can apply for a loan today: https://www.easystreetcap.com/texas-hard-money-loan-app-1
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Funding Partners of Princeton
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Funding Partners of Princeton
We are five partners who came together to better serve the real estate investor world. We all have institutional grade experience but have a get it done attitude.
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Nworie Capital
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Nworie Capital
Nworie Capital provides financial solutions throughout the United States. With an extensive network of private investors, credit unions, hedge funds, and capital market institutions, Nworie Capital provides liquidity, complex financial consultations, and private equity brokerage services.
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What Is A Hard Money Lender?

A hard money loan is an asset-based loan. One of the biggest factors affecting the approval of a traditional loan is your credit history and income. Lenders want a candidate that possesses a reputable re-payment history because this demonstrates the consumer’s ability to repay loans.

However, a great credit score and a lot of income is not always guaranteed an approval and the overall process can sometimes take a long time. Hard money lenders utilize a different approach by lending funds based on collateral and therefore, the lender places less emphasis on credit history. Hard money loans are not for everyone, but there are several situations where these loans make sense.

Strategies Using Hard Money

There are different instances when a real estate investor will be more likely to use a hard money loan versus a traditional loan. Real estate investors might find themselves using a hard money loan in the following instances.

Fix & Flip
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One of the most important things to understand when considering hard money is that each lender considers things differently than the next lender. Each lender is going to have his/her own criteria but most of them will base their loan off of a percentage of the after repair value or AVR. The following could also be considered when looking at a hard money loan:

  • Independent appraisers AVR
  • In-house AVR
  • Percentage of total costs
  • Percentage of the purchase price of the property
All lenders are different so be prepared for the hard money lender to consider any combination of the above before settling on the loan.
BRRRR
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If you are a real estate investor looking to execute the BRRRR strategy then the first thing you are going to want to do is secure a lender. One of the biggest mistakes that real estate investors make in the BRRRR strategy is only looking for a lender right when they need one. The best thing that you can do for yourself is to begin searching for, vetting and building a relationship with a lender as early in the process as possible. Meeting with lenders earlier will highlight any issues you might have with credit or income that you might need to get fixed before you really need the money for repairs. Getting this handled early will save you a big headache in the future.
Short Term Financing
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A short term loan is the traditional loan when a real estate investor is fix and flipping a property. With this type of loan you will typically only have 2-3 months to rehab and then resell your property for a profit. Short term financing is a good idea for properties that have a lower volume of fixes and repairs before putting the property back up for sale. Due to the short time period before the loan expires, you don’t want to get caught up with too many long term projects and have time run out. This would be homes that only need cosmetic repairs, upgraded appliances or minor repair work.

Questions To Ask A Hard Money Lender

Based on the best practice of reaching out to multiple lenders, you will want to make sure you have a proper list of questions available to you to vet out which lender is best for you. Here are some questions that you should ask a potential lender:

  • Are you the actual lender or just a broker?
  • Do you check personal credit? What score are you looking for?
  • What project details and documents do you need to make a quote?
  • How long will it take to get a quote?
  • Where does your money come from? Is this money in your control or do you receive it from a third party?
  • What happens if my loan needs to be extended?
  • How do you handle interest? Is it upfront, monthly or at the end?
What is Hard Money and How Does it Work? 10 Questions on Hard Money Loans Hard Money Buying Worksheet Hard Money Upfront Fees: Should You Pay Them? Understanding the Benefits and Risks of Hard Money Interview with Hard Money Lender, Kevin Amolsch Using Hard Money Lenders to Grow Your Business: Podcast with Ann Bellamy

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