Hard Money Loans in Los Angeles, CA
Find lenders offering hard money loans in the Los Angeles, including Long Beach, Santa Monica, Pasadena, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve Los Angeles?
15 lenders offering hard money loans in the Los Angeles, CA area.
Anchor Loans
LocalThousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Civic Financial Services
LocalRedondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Stbridge Capital
LocalLos Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
What does the Los Angeles commercial real estate market look like?
Los Angeles is the largest CRE market on the West Coast, with deeply specialized submarkets ranging from the Arts District's creative office conversions to the Port of Los Angeles/Long Beach industrial complex, the largest container port system in the Western Hemisphere. The Westside markets of Century City, Santa Monica, and Culver City command the region's highest office rents, driven by entertainment, technology, and professional services tenants. Downtown LA's adaptive reuse ordinance has transformed the Historic Core and South Park neighborhoods with residential, hotel, and mixed-use projects. The San Fernando Valley and South Bay submarkets provide more affordable office and industrial alternatives, while the Hollywood and Burbank media corridor remains the epicenter of studio and production space demand.
Key Economic Drivers
- ●Port of Los Angeles/Long Beach complex and related logistics infrastructure
- ●Entertainment industry studios and production facilities (Walt Disney, Netflix, Warner Bros.)
- ●Cedars-Sinai, UCLA Health, and Keck Medicine of USC hospital systems
- ●SpaceX headquarters in Hawthorne and the aerospace defense corridor along the South Bay
Market Insight
Los Angeles's 2028 Olympic Games preparations are driving billions in infrastructure investment including transit expansions, hotel development, and venue construction, creating CRE opportunities in neighborhoods near competition and event sites.
How do hard money loans work in Los Angeles, California?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the Los Angeles metro area, borrowers can access 15 lenders offering Hard Money financing, including Long Beach, Santa Monica, Pasadena, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in Los Angeles FAQ
How many Hard Money lenders serve Los Angeles, CA? ▼
What are Hard Money loan rates in Los Angeles? ▼
Is hard money the same as a bridge loan? ▼
Can I get a hard money loan with bad credit? ▼
Where else can I find hard money loans in California?
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