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Private Money Lender California

Private Money Loans For Real Estate Investors

We Are a Direct Private Money Lender in California

Crescent Lenders is a direct private money lender based in Los Angeles, California (not a broker).

With over a decade of experience, we have provided hundreds of millions of dollars in private money loans to commercial and residential real estate investors across The Golden State.

We have designed our lending process to prioritize speed and efficiency, ensuring fast approvals and funding for our borrowers.

We strive to provide competitive rates and fees, as well as flexible lending standards that can be tailored to meet the unique needs of each individual borrower.

Moreover, our team is committed to providing exceptional customer service, guiding our clients throughout the loan process and addressing any concerns or questions that may arise.

As a highly-rated provider with 5-star reviews, we offer both first and second position private money loans in California, which can often be funded within 5 to 7 days.

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

Benefits to Using a California Private Money Loan

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

As one of the leading private money lenders in California, we offer quick and reliable financing solutions to our clients.

Our strong financial backing allows us to provide a straightforward and efficient loan process that prioritizes simplicity and ease-of-use for our borrowers.

A few benefits to using a Crescent Lenders' private money loan to fund your California real estate transaction include:

  1. Pre-Approval: We can pre-approve your loan with a short 5 to 10 minute phone conversation.
  2. Fast Funding: Once approved your private money loan can be funded in as little as 5 to 7 days.
  3. Minimal Requirements: We require less documentation from borrowers than a traditional bank, making the loan application process faster and simpler.
  4. Flexibility: Borrowers can negotiate and customize their repayment schedule to suit their specific needs and financial situation.
  5. Difficult to Fund Projects: Private money loans can be an option for properties that are in poor condition or do not meet the strict criteria of a traditional bank loan.
  6. Competitive Offers: When making an offer on a property using a private money loan, sellers often view it as equivalent to an all-cash offer, giving borrowers an edge over competitors in securing the best deals on the market. 
  7. Higher Approval Rate: As private money lenders, we are mostly concerned with the value of the collateral property than the borrower's credit history or other factors, which can make it easier for borrowers with less-than-perfect credit to obtain financing.

Whether you're eager to take advantage of a prime opportunity to fix and flip a property in Los Angeles or have your sights set on acquiring an apartment complex in San Diego, our team is ready to provide financing solutions for your real estate investment projects across California.

For over a decade, Crescent Lenders has been a trusted and experienced lender in the private money industry, having funded hundreds of millions of dollars in private money loans across California.

We take pride in offering fast approvals and funding, competitive rates and fees, flexible lending standards, and exceptional customer service to every borrower - regardless of their real estate investment goals or experience level.

Recent Private Money Loans in California

Single Family Home in Huntington Beach
Orange County Private Money Loan
Huntington Beach, Orange County
Single-Family Home in Alameda County
Berkeley Hard Money Loan
Berkeley, Alameda
Single Family Home in Carmel-By-The-Sea
Monterey Bridge Loan
Carmel-by-the-Sea, Monterey

Types of California Private Money Loans We Fund

Crescent Lenders offers a variety of private money loans in California for all commercial, residential and industrial property types. All of our loans are required to be secured by a hard real estate asset.

Bridge Loans

A bridge loan is a short-term financing option that helps bridge the gap between the purchase of a new property and the sale of an existing property.

Probate Loans

Also known as an inheritance loan, it's a type of loan secured by an inheritance or estate that is in probate, where traditional financing may not be available.

Purchase Loans

Real estate investors commonly use purchase loans to act quickly on a hot property when they don’t have enough capital to make an all-cash offer or don’t qualify for a bank loan.

Cash-Out Loans

A cash-out loan is a type of refinancing in which the borrower takes out a new loan for more than the amount owed on the existing loan, and receives the difference in cash.

1031 Exchange Loans

A 1031 Exchange Loan is used to purchase a replacement property or like-kind property and defer paying any capital gains tax into the future to grow your investment essentially tax free.

Refinance Loans

A refinance loan is a new loan used to pay off an existing loan, typically with better terms such as lower interest rates or monthly payments.

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 Private Money Loan in California

The process starts with a brief phone call, text message or some back and forth through email to understand the borrower's unique situation and how we can help.

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

  1. Collateral: All private 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 private money lending situation is unique, there may be additional questions, requirements, or qualifications based on the specific loan product or property type involved in the deal.

As a leading private 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.

Private Money Loans FAQ

What Is Hard Money?

What Is a Hard Money Loan?

A hard money loan, also known as a bridge loan, private money loan or gap loan, is a loan secured by a "hard asset" like commercial, industrial or residential real estate.

It is generally a short term loan (6 to 60 months) issued by private or commercial investors.

Why Use a Hard Money Loan?

A hard money loan has advantages over a traditional bank loan:

  • the approval process is much faster (5 to 7 days vs 30 days)
  • fewer requirements
  • easier to qualify
  • flexible repayment schedules
  • better option for those with low credit scores, the self employed, or with a difficult financial history, such as a foreclosure or bankruptcy
What Determines the Cost of a Hard Money Loan?
  • experience in the fix and flip industry
  • additional sources of income
  • your exit strategy from the loan
  • and most importantly, the underlying value of the hard asset
What Types of Clients Utlise This Product?

Real Estate Investors, such as:

  • Fix and Flippers
  • Refinancers
  • Real Estate Developers
  • Construction Contractors

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.).