Rates as Low as 9.75%
75% LTV
Trusted 5-Star Rating on Google
Anywhere in California
Direct Lender, Not a Broker
$200K to $2M
No Upfront Fees
Self-Employed or Foreign National
Pre-Approval in Hours, Funding Within Days
With over a decade of experience, Crescent Lenders has become the premier choice for California real estate investors in need of direct hard money loans.
Competitive rates, quick funding, and exceptional customer support have earned us a stellar reputation as one of the direct private loan lenders in the Golden State.
Whether you are an investor seizing a prime opportunity or a homeowner in need of a down payment on a new home while trying to sell your current home, we can provide the capital and support you need to close the deal and move forward with confidence.
See why we are a trusted partner with numerous California real estate investors, helping them complete transactions from San Diego to Sacramento and everywhere in between.
A direct hard money lender in California can provide real estate borrowers with unmatched speed and flexibility that banks and brokers can’t.
Whether you are executing a fix-and-flip on a property in Los Angeles, pulling cash-out of an investment property in San Diego, or investing in a commercial property in San Francisco, a direct lender hard money lender like Crescent Lenders can streamline the funding process.
Benefits of a Direct Hard Money Lender in California:
Direct California hard money lenders ensure quick funding, better transparency, and lower overall costs to real estate investors across the Golden State.
When given the choice between a broker or a direct lender, it is usually in the borrower's best interest to go direct.
Hard money lenders provide short-term funding through asset-based loans rather than a borrower’s credit rating.
This means a borrower will put up a collateral asset while they are borrowing the money, pay a fixed interest on the loan, and then eventually repay the loan in full.
Because they carry more risk than a traditional loan, they often come with higher interest rates and fees.
Real estate investors often use them for leverage or as gap funding between deals.
Hard money lenders typically require a down payment of 20–30% or sufficient equity in the property as collateral.
They also expect a clear exit strategy, such as a refinance or property sale, to ensure repayment.
Hard money loans, for the most part, all depend on the underlying value of the collateral property.
They are not like bank loans that can take 1 to 3 months to fund. Often, they are processed and underwritten in a relatively short time frame.