California Hard Money Loans — Fast Asset-Based Lending for Investors
- Rates starting at 7.99%*
- Qualify based on the asset — not your personal income*
- Closings in as little as 5–10 business days*
- Bridge Loans, New Construction & DSCR Rental Portfolio Financing
- No income check. No tax returns. Bankruptcy OK*
- All California markets — All credit scores welcomed
- Get cash out in as little as 5–10 business days* — eligible borrowers may qualify with no appraisal*
NMLS# 2421810 · No impact on your credit score for initial quotes
The California Hard Money Loan Specialists
We know California's competitive real estate market — from LA bridge deals to Bay Area construction projects to San Diego rentals. Our hard money loans are built for investors who need speed, flexibility, and certainty of closing.
No Income Docs Required
Skip the W-2s and tax returns. We lend based on the asset's value and your exit strategy — not your personal income.*
Lightning Fast Closings
Close your California investment property in as little as 5–10 business days.* Speed wins deals in LA, SF, and beyond.
Rates from 7.99%
Competitive California hard money rates starting at 7.99%* — keeping your investment deal as profitable as possible.
All California Markets
We lend statewide — Los Angeles, San Diego, San Francisco, Sacramento, Orange County, and everywhere in between.
Why California Investors Choose Hard Money
Hard money loans remove the biggest bottlenecks conventional financing throws at real estate investors.
Our California Loan Programs
Tailored hard money financing for every California investment property strategy. Rates from 7.99%.*
- Rates from 7.99%*
- Up to 75% LTV
- 6–24 Month Terms
- No Prepayment Penalty Options
- Fast 5–10 Business Day Funding*
- Rates from 7.99%*
- Draw Schedule Financing
- Single-Family & Multifamily
- Up to 75% of Total Cost
- California Licensed Builders
- Long-Term Rental Financing
- Qualify on Property Cash Flow*
- Rates from 7.99%*
- 1–8 Unit California Properties
- Loan Amounts from $50K–$5M+
- Rates from 7.99%*
- Up to 70% LTV
- Cash Out in 5–10 Business Days*
- No Income or Tax Returns Required*
- Eligible Loans May Qualify With No Appraisal*
Our 4-Step California Hard Money Process
From application to funded California hard money loan in as little as 5–10 business days.* No income verification. No unnecessary delays.
Fill out our quick application. No hard credit pull, no income docs upfront. Get a preliminary answer in minutes — rates from 7.99%.*
We evaluate the California property's value, your exit strategy, and loan-to-value. Receive a term sheet within 24 hours of submission.
We work directly with California title companies and fast-track appraisers to keep your deal on schedule and stress-free.
Funds wired to escrow. Most California hard money investors close in 5–10 business days* — sometimes faster when deals need it.
California Hard Money Rates & Terms
No hidden fees. No bait and switch. All programs start at 7.99%.* Contact us for a personalized California hard money quote. Rates and terms subject to underwriting approval.*
| California Hard Money Program | Starting Rate | Max LTV/LTC | Term | Min Loan |
|---|---|---|---|---|
| Bridge Loan | From 7.99%* | 75% LTV | 6–24 Months | $100,000 |
| New Construction Loan | From 7.99%* | 75% of Total Cost | 12–24 Months | $150,000 |
| Rental Portfolio / DSCR | From 7.99%* | 75% LTV | 30 Years Fixed | $100,000 |
| Cash-Out Refinance | From 7.99%* | 70% LTV | 6–24 Months | $100,000 |
⭐ No Income, No Tax Returns, Bankruptcy OK: Eligible loans may also qualify with no appraisal required. Subject to underwriting approval.*
California Markets We Serve
We fund hard money loans across all of California — from the Bay Area to Southern California and everywhere in between.
What California Investors Say
"No income verification, no tax returns — just walked through the numbers on the property and had a term sheet the next day. Exactly the process I needed as a self-employed investor."
"Got a bridge loan on my San Diego property in 8 days. They locked my rate at 7.99%* and delivered exactly what the term sheet promised. Rare in this industry — highly recommend."
"Used American Prime Rate to fund a ground-up construction project in Sacramento. The draw schedule was straightforward, rates started at 7.99%*, and our project came in on time and on budget."
California Hard Money Loan FAQs
Everything you need to know about hard money loans in California.
Talk to a California Hard Money Expert
Fill out the short form and our California hard money team will respond within 2 business hours with a preliminary quote. Rates from 7.99%.* No hard credit pull. No obligation.
NMLS# 2421810 · No impact on credit score · No obligation
What Are Hard Money Loans in California?
Hard money loans in California are short-term, asset-based mortgages issued by private lenders to real estate investors. Unlike conventional loans, hard money lenders qualify borrowers primarily on the property's value — not personal income, tax returns, or W-2s. California hard money loans are available with rates starting at 7.99%* and can get cash out in as little as 5–10 business days,* making them the preferred financing tool for real estate investors, developers, and landlords across the state who need to move fast on competitive California deals. No income check, no tax returns, and bankruptcy is OK on eligible programs,* and select loans may qualify with no appraisal required.*
How California Hard Money Loans Work
California hard money lenders evaluate deals based on the property's loan-to-value (LTV) or loan-to-cost (LTC) ratio, the borrower's exit strategy, and a basic credit review. No income documentation, no DTI calculation, no employment verification. Once approved, funds can be deployed in as little as 5–10 business days* — ideal for investors competing in fast-moving California markets like Los Angeles, San Francisco, and San Diego. Rates start at 7.99%.*
California Hard Money Loan Requirements
California hard money loan requirements are significantly more flexible than conventional mortgages. Typical requirements include a all credit scores, a solid exit strategy (sale or refinance), a down payment of 10–30% depending on the program, and a clear investment property — not a primary residence. No income check, no tax returns, no W-2s, and no employment history required to qualify.* Borrowers with a past bankruptcy may still be eligible, and eligible loans may qualify with no appraisal required.* Rates start at 7.99%.* California investors with complex financials, self-employed income, or those who need to close fast find hard money loans especially well-suited to their needs.