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Hard Money Lenders in California
8 of the 13 national hard money lenders we compared say on their websites that they lend in California. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 5 lenders based in California. 2 exclude California or leave it off their published state lists.
National lenders that lend in California
| Lender | Fix-and-flip rate | Max leverage | Min credit score | Loan size | Time to close |
|---|---|---|---|---|---|
| Lima One Capital | As low as 7.75% | Up to 95% LTC, 75% of ARV, 100% of rehab | 660 | $100K to $5M | Within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days |
| Kiavi | As low as 8.25% | Up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) | Not stated | $100K to $5M | As few as 7 days |
| Easy Street Capital | Starting at 8.90% | Up to 93% LTC (90% of purchase, 100% of rehab), up to 75% of ARV | 600 | $75K to $5M+ | As little as 24 to 48 hours (its pages give both) |
| New Silver | 9% to 11% | Up to 90% LTC | Not stated | Up to $5M | Average 10 days to close |
| Sherman Bridge | As low as 9.99% | Not stated | Not stated | Not stated | Not stated |
| Express Capital Financing | 10% to 12% | Up to 90% of acquisition and 100% of renovation (its meta description says up to 75% of total project cost) | 600 | $150K to $10M | As little as 5 days |
| LendingOne | Not published | Up to 92.5% LTC, 100% of rehab | Not stated | $100K to $3M | As little as 5 days (its FAQ says 10 business days) |
| Griffin Funding | Not published | Not stated | Not stated | From $100K | Often 7 to 10 days |
Rates are each lender's advertised starting rate for fix-and-flip loans. Click a lender for its full terms.
Hard money lenders based in California
Source Capital Funding (Hard Money First)
San Diego, CA. Phone: 888.334.6636.
- Loans: Hard money, bridge, private money, commercial, DSCR, owner-occupied, non-QM
- Loan size: $100K to $5M
- Rates: 1st position 8.99% to 11.99%; 2nd position 11.99% to 13.99%
- Where: Licensed in AZ, CA, CO, MN, TX
North Coast Financial
Oceanside, CA. Phone: 760-722-2991.
- Loans: Bridge, fix and flip, construction, cash-out refinance, owner-occupied, commercial, trust and probate, second mortgage
- Loan size: From $30K
- Rates: Fixed rates from 9.95%; points from 1.5
- Where: California only
The Norris Group
Corona, CA. Phone: (951) 780-5856.
- Loans: Hard money, rehab, new construction, purchase, refinance, non-recourse
- Loan size: $100K to $5M (California)
- Rates: From 9.9% in California (its homepage also says from 7.9% for qualified borrowers)
- Where: Lends in CA, FL
Socotra Capital
Sacramento, CA. Phone: 855-889-7626.
- Loans: Fix and flip, commercial bridge, private line of credit, bridge to permanent, cash-out refinance, rehab construction
- Loan size: $100K to $20M
- Rates: Not published
- Where: No state list; cites a California Finance Lender's License and Nevada mortgage licensing
California Hard Money Direct
No office address on its site. Phone: 1-800-571-0887.
- Loans: Bridge, fix and flip, construction, land, mixed use, multifamily, DSCR, second mortgage
- Loan size: $50K to $10M residential; up to $20M commercial
- Rates: SFR as low as 8.99% (9.50% APR)
- Where: California properties only
Lenders that exclude California or do not list it
- Upright: not on its published state list
- Ternus: excludes California on its website
Lenders that do not publish a state list
Groundfloor, RCN Capital, CoreVest do not publish which states they lend in. Ask them directly about California.
Compare all national hard money lenders
Frequently asked questions
Who are the hard money lenders in California?
8 of the 13 national hard money lenders we compared say on their websites that they lend in California. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 5 lenders based in California. 2 exclude California or leave it off their published state lists.
What do hard money loans cost in California?
Among national lenders that lend in California, the lowest advertised starting rates are Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). Points and fees come on top, and starting rates go to the most experienced borrowers with strong credit. Check each lender's terms.