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California Bridge Loans

For Real Estate Investors

Your Premier California Bridge Loan Provider

Crescent Lenders is a direct bridge loan lender based in Los Angeles, California (not a broker). With over a decade of industry experience, we have established ourselves as a trusted loan provider.

If you're searching for short-term financing in California for a residential or commercial property, our company specializes in providing customized financing solutions to cater to various property and loan types throughout the Golden State.

Having funded over $100 million in bridge loans across California since 2010, we take pride in delivering exceptional customer service and maintaining open lines of communication to ensure a smooth lending process.

Whether you’re purchasing a new property, refinancing an existing hard money loan or seeking temporary financing to settle an inheritance loan, we are here to offer the temporary financing solutions that traditional banks do not provide.

Why Borrowers Choose Crescent Lenders

Rates as Low as 9.75%

75% LTV

No Minimum Income Requirement

No Upfront Fees

Direct Lender, Not a Broker

Speedy Approval & Funding Process

Minimal Documents Needed

Self-Employed or Foreign National

Trusted 5-Star Rating on Google

Our Lending Criteria Explained

Photo of Freeway With a Bridge Above It and a Sunset Skyline

When underwriting a bridge loan, we are mostly concerned with the loan-to-value of the property being used as collateral rather than a borrowers credit score, employment history or income.

With a hard money loan there is no standard underwriting process, each loan is judged on its individual merits.

Our goal is to determine if you;

  • have 25% or more equity in the property
  • are capable of making the monthly interest payments
  • have a viable exit strategy to pay-off the bridge loan

If these three simple requirements are met, there is a strong chance we will be able to fund your bridge loan in California.

Crescent Lenders' Recent Bridge Loans in California

Cerritos Industrial Building in Los Angeles
Cerritos Bridge Loan
Cerritos, Los Angeles
Interior of a Bathroom in a Residential Condominium in Pasadena, Los Angeles
Pasadena Bridge Loan
Pasadena, Los Angeles
Single Family Home in Carmel-By-The-Sea
Monterey Bridge Loan
Carmel-by-the-Sea, Monterey

6 Key Benefits of a California Bridge Loan

Crescent Lenders provides a diverse range of bridge loans in California that cater to real estate investors, property developers, estate beneficiaries and business owners. Our lending policy mandates all loans to be secured by a hard real estate asset, ensuring a secure investment for both the borrower and the lender.

Quick Access to Funds

Our bridge loans are designed to provide quick access to funds, often within 5 to 7 days. This can be beneficial when there is a time-sensitive need for financing, such as purchasing a new property before selling an existing one.

Business Operations and Expansion

Our bridge loans can support business operations and expansion initiatives. They can provide working capital to cover operational expenses, bridge gaps in cash flow, fund inventory purchases, or facilitate business expansion plans.


Our bridge loans offer flexibility in terms of their repayment terms and requirements. We can customize them to meet your specific needs and the situation at hand, allowing for more tailored financing options.

Smooth Transition in Real Estate Transactions

We can enable buyers to secure financing for a new property while they wait for their current property to sell. This helps avoid timing gaps and ensures a smoother transition in real estate transactions.

Avoiding Contingency Clauses

Our bridge loans can help buyers avoid contingency clauses, which are common in real estate contracts. A contingency clause states that a purchase is contingent on the sale of the buyer's current property. By obtaining a bridge loan, buyers can make offers without such contingencies, making their offer more competitive.

Investment Opportunities

Our bridge loans can be utilized to take advantage of investment opportunities that require immediate funding. For example, if an investor wants to secure a property at a discounted price but needs funds quickly, we can provide the "gap loan" financing until long-term financing or other arrangements are in place.

What Our Borrowers Say

Top-Rated Provider

I’m a commercial real estate broker and do some fix n flipping on the side here in SoCal. I’ve used a few different HMLs in the past but have created a good relationship with these guys and have repeatedly used them and will continue to do so going forward.

- Justin R.
*As of May 15th, 2023

Qualifying for a Bridge Loan in California

The process kicks off with a quick and friendly phone call, text message, or email exchange to grasp a clear understanding of the borrower's individual situation and explore ways in which we can be of assistance.

Borrowers typically need to provide a few important pieces of information, including:

  1. Collateral: All bridge money loans require collateral to secure the loan. This is usually the property being purchased or renovated and is the most important factor in determining whether we will fund the loan.
  2. The Purpose of the Loan: Borrowers will need to provide details about the property they plan to purchase or renovate, as well as the intended use of the loan funds.
  3. Your Background: While we are more flexible than traditional lenders when it comes to credit scores or employment history, will sometimes still need to a little background information about our borrowers.
  4. Exit Strategy: Having a clear exit strategy in place is important, because we want you to pay back the loan and succeed in your real estate investment goals.

Since every bridge loan situation is unique, there may be additional questions, requirements, or qualifications based on the specific details involved in the deal.

As a leading bridge money lender in California, we can quickly determine if we can fund your project by having a brief telephone conversation. Call us at 213-474-3131 or send us a message.

Calfiornia Bridging Loans FAQ

Bridge Loans

What Is a Bridge Loan?

A bridge loan is a short-term financing option that provides immediate funds to bridge a temporary gap in funding or to facilitate a specific purpose, such as purchasing a new property before selling an existing one.

What Are Bridge Loans Used For?

Bridge loans are commonly used in real estate transactions to secure financing for a new property while waiting for the sale of an existing property. They can also be utilized for investment opportunities, business operations, and other time-sensitive financing needs.

What Are the Benefits of Bridge Loans?
  • Quick access to funds, often within a few weeks or even days.
  • Flexibility in terms of repayment terms and requirements.
  • Smooth transition in real estate transactions by avoiding timing gaps.
  • Ability to make competitive offers without contingency clauses.
  • Support for investment opportunities and business operations.
How Do Bridge Loans Work?

Bridge loans provide immediate funds based on the value of the collateral property. The loan is typically repaid within a short period, often ranging from a few months to a year. The loan may require regular interest payments or have deferred interest that accrues until the loan is repaid in full.

Our Lending Process

How Fast Can I Expect My Money?

From start to finish, the approval process can take as little as 5 to 7 business days.

How Do You Determine Rate?

Rates are determined by:

  • the underlying value of the asset
  • the location of the asset
  • how much the borrower is putting down
  • credit score
  • additional sources of income
  • property type
How Do You Value a Property?

We do your own analysis from recently sold comparable properties as well as have an appraiser visit the property.

What Is the Approval Process?

The approval process involves a brief phone call with Russ, to collect general background information regarding your financing needs and history.

After this pre-approval phone call your information will be verified through our underwriting process.

Once verified we will send you a term sheet and if you accept, you will receive the funds in your account.

What if My Credit Score Is Low?

While credit score is a factor, bad credit is not a deal breaker as many factors are considered:

  • experience in the fix and flip industry
  • additional sources of income
  • most importantly, the underlying value of the hard asset
Are There Any Types of Hard Money Loans You Don’t Fund?

Crescent Lenders does not fund land, ground-up construction or owner-occupied projects.

Our Lending Guidelines

What Is Your Max LTV?

Our maximum loan-to-value ratio is 75%.

How Much Can I Lend From Crescent Lenders?

Our loans start at $200K and go up to $5 million dollars.

What Property Types Do You Lend On?

We fund most property types, including:


  • Multi-family Investment Properties
  • Single-family Investment Properties
  • Condominiums

Commercial & Retail

  • Retail Centers
  • Office Buildings
  • Hotels & Motels
  • Healthcare & Assisted Living Facilities


  • Industrial & Warehouse
  • Parking Garages & Lots
  • Special Purpose & Mixed Use
What Lien Positions Do You Fund?

We fund both First Trust & Second Trust Deeds.

What Term Lengths Do You Offer?

6 to 60 months, (extensions are available)

What Fees Do You Charge?

We do not require any upfront fees, but charge 2 to 3 points, depending on the size and term length of the loan and a $1500 underwriting fee.

We Can Deliver Rapid Financing
Between $200k and $5 million dollars
Nationwide private lender (not a broker, avoid the extra fees)
Funding loans such as purchase, refinance, rehab, probate, 1031 exchanges, cash-out
All types of investment properties considered, residential, commercial and industrial
Crescent Lenders

Suite #116, 999 Overland Ave

Los Angeles, California


Disclaimer: Crescent Lenders, DBA CrescentLenders.com ("CL") is a California licensed broker under California Bureau of Real Estate License No. #01792267. Regardless of this license, CL considers itself a “finder” for purposes of applicable laws and regulations (California Business & Professions Code § 10130, et. seq.).