Funded
Not a broker
Rating on Google
Loan Products
Multi-Family, Retail, Office, Industrial, Mixed-Use
- Up to $5,000,000
- Max 75% LTV
- Interest rate 9.25% - 11.00%
- Origination 1% - 2%
SFH, Condo, Apt Complex, Fix-n-Flip, Rentals
- Up to $3,500,000
- Up to 75% LTV
- Interest rate 8.75% - 10.50%
- Origination 1.25% - 2%
Acquisition, Expansion, Senior Living, Laundromats
- Up to $5,000,000
- Up to 70% LTV
- Interest rate 9.50% - 11.00%
- Origination 1% - 2%
Refinancing, Transitioning Homes, Distressed Property
- Up to $4,000,000
- Up to 75% LTV
- Interest rate 9.25% - 11.00%
- Origination 1.25% - 2%
Broker-Friendly Lender in California
Crescent Lenders is a broker-friendly direct hard money lender in California. We deliver financing solutions to homeowners, real estate investors, and business owners across the Golden State.
We partner with business professionals, including mortgage brokers, bankers, real estate brokers, and attorneys, to deliver fast closings at competitive rates.
Funding can be completed in 5 to 7 business days.
Our standard origination fee, which ranges from 1 to 3 points, is adjustable depending on the loan size and ensures brokers are compensated fairly while borrowers receive funding without delay.
We protect your fees, fund your clients' deals quickly, and always put relationships above all else.
Make us your one-stop shop for all your clients' lending needs!
Recent Deals
How It Works
Broker-Friendly Workflow
Call or text us directly at 213-474-7980.
Or, send us your deal:
- Submit your client’s deal (apply online or send us a message).
- Receive a preliminary term sheet within 24 hours.
- We’ll work with you and your client throughout the underwriting process.
- Get paid as soon as the loan funds are received.
Broker Protection & Compensation
Brokers will never be excluded from deals—your clients remain your clients.
All communication with borrowers will be handled with transparency, ensuring your fees are safeguarded, your clients are funded quickly, and your business continues to grow with us a reliable lending partner by your side.
Most of our broker partners earn between 1 and 2 points per transaction, depending on loan size.
Loans & Parameters
We fund all kinds of hard money loans in California, including:
- Fix-&-Flips
- Probate loans
- Bridge loans
- Cash-out refinance
- Purchase loans
- Multifamily
- Residential
- Commercial
Our loan parameters:
- Loans from $200K to $5M
- Up to 75% LTV
- Funding in 5 to 7 days
- Interest rates 9% to 11%
FAQ
What types of properties do you lend on?
- SFRs: Non-owner occupied
- Multifamily: Duplexes, triplexes, fourplexes, and apartment buildings
- Condos & Townhomes: Non-owner occupied
- Mixed-Use: Residential or commercial
- Commercial: Retail, office, warehouse, industrial, storage
- Fix-N-Flip: Properties in need of renovations
- Cash-Out Refi: Pull out equity from an existing property
- Bridge Loans: Short-term funding to bridge the gap from one property to the next
What types of loans does Crescent Lender originate?
- Bridge
- Hard Money
- Commercial
- Residential
- Business
- Cash-out Refinance
- Probate
How do I submit a loan request?
We typically need the following information to start:
- borrowers' experience
- purchase agreement
- the scope of work (for fix-and-flip)
- and FICO score
Call or text us at 213-474-7980, send us a message, or apply online.
Where do you lend?
We are based in Los Angeles, but we lend throughout California.
We are not nationwide lenders.
How fast do you provide an initial response to a loan request?
We generally get back to a broker within 24 hours. Often, we can determine from the initial information whether we are interested, or we may also ask follow-up questions.
What documents do you need for the underwriting process?
- Purchase agreement
- Current outstanding mortgage statement
- Loan amount requested
- Loan-to-value
- List of other properties owned
- NOI of the property
- Lease contracts
- Rent rolls
- Appraisal or BPO
- Credit score
- Bank statement
What are your most significant underwriting factors?
- LTV under 75%
- Sound borrower exit strategy
- Income-producing property
- Located in or near a major city
What property types will you NOT lend on?
We have no hard and fast rules; however, in 95% of scenarios, we generally avoid loans where any of the following are true:
- ground-up construction
- vacant land
- owner-occupied properties
- land in rural areas
- loans outside of the California region
How often do you actually fund deals once terms are issued?
Borrowers usually receive their cash via escrow within 5 to 7 days.