Our Team

Mario Padilla

CEO and Chief Underwriter

Mr. Padilla is a graduate of California State University, Los Angeles and is a licensed California Real Estate Broker.

With over 20 years of experience in the banking sector Mr.Padilla has solely specialised on the hard money lending market since 2011.

He has worked for such banks as Bank of Boston, Long-Term Credit Bank of Japan and Fuji Bank and served clients in various Fortune 500 companies.

His previous experience in credit underwriting has proven vital to the success of our company for the last 9 years which focuses on funding 1st Trust Deed investments for commercial real estate in California.

Mr. Padilla has underwritten and funded over $150 Million in hard money loans over the last 9 years which are primarily funded by private investors as well as traditional banking institutions.

Mr. Padilla is actively involved with various non-profit organizations and charities in Los Angeles through roles such as Financial Advisor, Trustee and Financial Supporter.

John Russell Barneson


Russell is a graduate of the The University of Southern California Marshall School of Business.

He worked as an Associate for the asset management company Reed, Conner & Birdwell before working in sales in the energy sector for 5 years.

These days Russell is an active investor running his own company buying, renovating and operating vacation rental apartments.

Russell's day to day, now involves assisting real estate professionals to procure hard money loans and he is the brains behindĀ The Hard Money Blog.

Thomas O'Connor

Strategic Technical Development

Thomas is a graduate of Southern Alberta Institute of Technology. He is a self taught technologist and life long builder of websites and software products.

He has worked in the technology sector in different capacities for the last 20 years and has owned and operated his own online passive income businesses as well spent a 5 year stint as a top level programmer for SAAS startups.

At Crescent Lenders he is working on a Sales and Marketing platform to generate and support online growth initiatives.