Private Money Lenders

Bridge Loans for Residential and Commercial Real Estate Investors

Private Money Lenders

Bridge Loans for Residential and Commercial Real Estate Investors

Lending Guidelines

Interest Rates: Starting @ 7.99% (interest only)
Closing Time: 5 to 7 Days
Location: Anywhere in California
LTV Ratio: Up to 75%
Types: Fix & Flip, Purchase, Refinance, Cash-Out, Probate, 1031 Exchange
Amounts: $200K – $5M
Origination Fee: 2 to 3 points, dependant on size and term
Lien Positions: First Trust & Second Trust Deeds
Underwriting Fee: $1500
Terms: 6 to 60 months (extensions available)

Property Types

  • Single-family & Multi-family Investment Properties
  • Condominiums
  • Retail Centers
  • Office Buildings
  • Industrial & Warehouse
  • Hotels & Motels
  • Healthcare & Assisted Living Facilities
  • Special Purpose & Mixed Use
  • Parking Garages & Lots

Recently Funded Private Money Loans

Montebello, CA
Amount : $2,500,000
Type : Purchase
Loan To Value : 66%
Rate : 8.75%
Property Type : Multi-Family
Term : 12 Months
Arcadia, CA
Amount : $1,100,000
Type : Refinance
Loan To Value : 73%
Rate : 9.00%
Property Type : Single Family
Term : 12 Months
Pasadena, CA
Amount : $950,000
Type : Purchase
Loan To Value : 50%
Rate : 8.25%
Property Type : Single Family
Term : 12 Months

Quick & Reliable Process

The application process for a hard money loan straight forward.

Borrowers are often given conditional approval after a brief phone call.

Conversely banks have difficult and long application processes and have been known to pull money from borrowers during escrow at the last minute.

Unlike traditional lenders, hard money lenders are more focused on the collateral rather than a person's credit score or income.

Traditional lenders can take 30 days or more to close a deal, whereas a hard money lender can often close a deal in 4 to 6 business days.

Since hard money lenders are more focused on the value of the asset, a borrower's offer on a property can be viewed more favorably when funded by hard money.


Hard money lenders fund many loans that banks won't. A good example of this is a fix and flip loan.

There might be problems with a property such as foundational or electrical issues that don't allow it to qualify for a bank loan.

These issues are not deal breakers for hard money lenders, because they understand there is value in rehabbing properties.

The flexibility and speed of a hard money loan means if there is a good deal on the market, you can get the money faster from a private lender than a bank.

Though term length is often short, a private lender will also be flexible in this regard.

Depending on your situation, you may be able to tweak things like the repayment schedule.

This allows the borrower a greater flexibility when an golden opportunity arises.

You can make a more competitive offer on a property which increases the odds of a successful deal.

Approval Process

Hard money loans are also much easier to qualify for than traditional loans, because there is less bureaucratic red tape and minimal paperwork relative to a bank that uses a one size fits all approach.

With a hard money loan there is no standard underwriting process or hoops to jump through.

Each loan is judged on it's individual merits; where the value of the collateral is the primary consideration.

For example self-employed people or people who have less than 2 years at their current job often have difficulty obtaining loans from banks.

A hard money lender will put less emphasis on things like current job status, credit score, whether someone has gone bankrupt, foreclosure, or past credit delinquencies.

This allows someone who owns an asset easier access to funds.


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

999 Overland Ave, Suite 116
Los Angeles, California

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Disclaimer: Crescent Lenders, DBA ("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.).