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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
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Get cash out in as little as 5–10 business days* — eligible borrowers may qualify with no appraisal*
Get a Free California Hard Money Quote
View Loan Programs
7.99%Starting Rate*
24hrAverage Approval
5–10Day Closings*
NoAppraisal Required*
Get a Free California Hard Money Quote
Fast answers, no hard credit pull. Rates from 7.99%*
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Loan Details
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.
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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.*
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Lightning Fast Closings
Close your California investment property in as little as 5–10 business days.* Speed wins deals in LA, SF, and beyond.
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Rates from 7.99%
Competitive California hard money rates starting at 7.99%* — keeping your investment deal as profitable as possible.
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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.
🏠Asset-Based QualificationWe lend on the property’s value and your deal — not your tax returns, employment history, or debt-to-income ratio.* Your deal is the collateral.
📈Scale Your Portfolio FasterNo conventional DTI limits holding you back. Fund your next California investment property without your existing loans counting against you.
🧾No Income, No Tax ReturnsNo income check and no tax returns required to qualify.* Borrowers with a past bankruptcy may still be eligible, and eligible loans may qualify with no appraisal.*
🌉Bridge Loan SolutionsNeed to act fast before your existing property sells? Our California bridge loans fill the gap — close quickly and pay off when your exit event occurs.
🏗️New Construction FinancingGround-up construction loans for California builders and developers. Draw-based funding keeps your project moving from groundbreak to certificate of occupancy.
🛡️Certainty of ClosingWhen we issue a term sheet on your California hard money loan at 7.99%*, you can count on it closing. No last-minute conditions. No surprises.
Our California Loan Programs
Tailored hard money financing for every California investment property strategy. Rates from 7.99%.*
Speed & FlexibilityBridge Loans
- Rates from 7.99%*
- Up to 75% LTV
- 6–24 Month Terms
- No Prepayment Penalty Options
- Fast 5–10 Business Day Funding*
Check Bridge Loan Rates →
Ground-Up ProjectsNew Construction Loans
- Rates from 7.99%*
- Draw Schedule Financing
- Single-Family & Multifamily
- Up to 75% of Total Cost
- California Licensed Builders
Get Construction Quote →
Portfolio GrowthRental Portfolio / DSCR
- Long-Term Rental Financing
- Qualify on Property Cash Flow*
- Rates from 7.99%*
- 1–8 Unit California Properties
- Loan Amounts from $50K–$5M+
Explore Rental Loans →
Quick Access to EquityCash-Out Refinance
- 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.
1Apply Online
Fill out our quick application. No hard credit pull, no income docs upfront. Get a preliminary answer in minutes — rates from 7.99%.*
2Asset Review
We evaluate the California property’s value, your exit strategy, and loan-to-value. Receive a term sheet within 24 hours of submission.
3Title & Appraisal
We work directly with California title companies and fast-track appraisers to keep your deal on schedule and stress-free.
4Get Funded
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.
Los AngelesLA County & surrounding cities
San FranciscoBay Area & Peninsula
San DiegoCoastal & inland SD County
SacramentoCapital region & surrounding areas
Orange CountyIrvine, Anaheim, Newport Beach
Riverside / IEInland Empire & Coachella Valley
San JoseSilicon Valley & South Bay
All of CaliforniaStatewide hard money lending
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.”
DDavid L.DSCR Rental Loan · Los Angeles, CA
★★★★★
“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.”
JJennifer & Tom A.Bridge Loan · San Diego, CA
★★★★★
“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.”
KKevin S.New Construction Loan · Sacramento, CA
California Hard Money Loan FAQs
Everything you need to know about hard money loans in California.
A California hard money loan is a short-term, asset-based mortgage funded by private lenders rather than banks. Qualification is based primarily on the property’s value — not the borrower’s personal income, credit history, or employment. These loans are ideal for real estate investors who need fast capital for renovation projects, bridge financing, new construction, or rental acquisitions across California.
California hard money loan rates start at 7.99%.* Your actual rate depends on the loan-to-value ratio, property type, borrower experience, and loan term. Contact us for a personalized California hard money rate quote — no hard credit pull required. *Rates and terms subject to underwriting approval and program guidelines.
No. California hard money loans require no personal income verification, no tax returns, and no W-2s.* Qualification is based on the property value, your exit strategy, and the loan-to-value ratio. This makes hard money loans ideal for self-employed investors, entrepreneurs, and high-net-worth individuals with complex financials.
Our California hard money programs accept borrowers with credit scores of 600 and above. Because the loan is primarily asset-based, a lower credit score has less impact on qualification compared to conventional mortgages. A higher score may help qualify for our most competitive 7.99% starting rate. We do not pull your credit for an initial quote.
Not always. Eligible borrowers may qualify with no appraisal required on select California hard money programs, which can help speed up your closing.* Ask your loan officer which programs you qualify for.
Yes. Because approval is based primarily on the property and your exit strategy rather than your credit history, borrowers with a past bankruptcy may still qualify for select California hard money programs.* Contact us to review your specific situation.
Loan amounts typically range from $50,000 to $5 million and above, with leverage up to 75%–90% of the property’s value depending on the program. Rates start at 7.99%.* No income or tax returns are required to qualify, and eligible borrowers with a past bankruptcy may still be considered.*
Most California hard money loans close in 5–10 business days.* Our process starts with a quick online application and a term sheet within 24 hours. We coordinate directly with California title companies and appraisers to ensure a fast, smooth closing — critical in competitive markets like Los Angeles, San Francisco, and San Diego where speed wins deals. *Timelines subject to appraisal, title, and underwriting conditions.
We lend on single-family homes, condos, townhomes, 1–8 unit multifamily, new construction, and mixed-use properties across California. We serve Los Angeles, San Diego, San Francisco, Sacramento, Orange County, the Inland Empire, Silicon Valley, and all surrounding areas statewide.
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.
📧Email Usinfo@americanprimerate.com
📞Call Us866-426-4008
📍We Lend InAll of California & Nationwide
Free California Hard Money Quote — No Obligation
Get Your California Hard Money Rate
Rates from 7.99%.* Our California team responds within 2 business hours.
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Your Info
2
Loan Details
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.
Important Disclosures — NMLS# 2421810
*All rates, timelines, and program details are subject to underwriting approval and program guidelines. Starting rate of 7.99% and all advertised rates are not guaranteed; actual rate offered will be determined at time of application and varies based on credit profile, loan-to-value ratio, property type, loan term, borrower experience, and market conditions. No-appraisal eligibility applies only to select loan programs, is not guaranteed, and is subject to underwriting approval; not all borrowers or properties will qualify. Borrowers with a prior bankruptcy may be considered on a case-by-case basis subject to underwriting guidelines. Closing timelines of 5–10 business days are estimates and may vary depending on appraisal, title, and underwriting conditions. Not a commitment to lend. Loan programs subject to change without notice. This is not an offer to enter into an agreement. Not all applicants will qualify. Hard money loans are intended for investment and business purposes only — not for primary residences. American Prime Rate is an equal opportunity lender. California DRE License information available upon request. NMLS Consumer Access: nmlsconsumeraccess.org