Orange County Hard Money Lenders

Bridge Loans for Residential and Commercial Real Estate Investors

Orange County Hard 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
Anywhere in California
Loan To Value Ratio
Up to 75% LTV
Loan Types
Purchase, Refinance, Cash-Out, Fix and Flip, Probate, 1031 Exchange
$200K – $5M
Origination Fee
2 to 3 points, dependant on size and term
Lien Positions
First Trust & Second Trust Deeds
Underwriting Fee
Loan Term
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

Huntington Beach, CA
Amount : $2,275,000
Type : Refinance
Loan To Value : 65%
Rate : 9.00%
Property Type : Single Family
Term : 12 Months
Costa Mesa, CA
Amount : $650,000
Type : Purchase
Loan To Value : Less than 50%
Rate : 9.00%
Property Type : Industrial
Term : 18 Months
Dana Point, CA
Amount : $160,000
Type : Purchase
Loan To Value : 35%
Rate : 9.00%
Property Type : Condominium
Term : 12 Months

Reliable Hard Money Lenders in Orange County

For more than a decade, Crescent Lenders has been funding private money loans in Orange County and the greater Southern California region.

With some of the best interest rates and lowest fees in the industry combined with our top notch service, we are able to provide an excellent experience for our borrowers.

In the last 10 years alone we’ve funded over 100 million dollars in private money loans in the commercial, industrial and residential property space.

If the fundamentals of the deal are right, we can finance your project in as little as 5 to 7 days.

Direct Private Money Lenders

For borrowers to get the best rates it’s important to use a direct hard money lender, not a broker. 

A broker will often charge additional origination points on top of what the hard money lender is charging, and depending on the size of the loan this can translate into tens of thousands of dollars in additional unnecessary fees.

Savvy borrowers use direct private money lenderswho have their own funds and do not need to broker the deal with an army of middlemen or copious amounts of finance regulation.

When you work with us, you will have direct access to a straight forward decision maker who is transparent and open about the loan situation and if a deal can be completed or not.

Contact us today to see if we can fund your real estate project.

Types of Orange County Private Money Loans

Crescent Lenders funds all kinds of hard money loans for investment properties in Orange County and the rest of California, including:

  • purchases
  • rehabs
  • commercial bridge loans
  • probate
  • cash-out
  • refinance

Our qualification process for an Orange County hard money loan is easy and only requires a 5 to 10 minute phone call to see if your deal is something we are interested in funding.

Unlike traditional mortgages funded by big banks, we place a large emphasis on the loan to value ratio of the property being used as collateral.

The objective of our underwriting process is to determine if the loan is a safe investment; we want to see you succeed and so only fund loans we have a high degree of confidence in.

The 3 main factors we consider are:

  • the borrower has adequate equity in the property
  • the borrower is capable of servicing the monthly mortgage payments 
  • the borrower has a well thought-out exit plan

Over the last decade we’ve funded 100s of millions in loans.

See what our borrowers have to say about working with us below.

Top-Rated Provider

My existing hard money loan was coming due on my retail center and I was shopping around for a refi with a better rate since I was not yet able to qualify for bank financing, Mario was able to give me the best rate of the lenders I reached out to...
- Steve S.
I’m a commercial real estate broker and do some fix and 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.
Was recommended these lenders from a friend of mine. They were able to come thru on 2 deals for me over the past year, but also rejected a few others I had that were not as attractive. Mario is a nice guy and will not waste your time if the deal doesn’t work for him.
- James M.
I found Crescent Lenders using a hard money lending directory website called Moolahlist that makes sure all the lenders on its platform are licensed and legitimate. There are so many scam lenders in the hard money lending industry, I was happy to find these guys and was even happier with the service they provided... quick and easy funding for my rehab project.
- Edward B.
I don’t usually invest in real estate but I came across a great deal in my neighborhood and could not wait on a bank to approve me because the deal would have been gone. I called a few hard money lenders and decided on Crescent Lenders. They were able to get me funding quickly at a good rate. This enabled me to make a great offer which was successful. Highly recommend!
- Jessy C.
As of June 15th, 2021

Advantages to Using Crescent Lenders

As a trusted and experienced private money lender in Southern California, we have relationships with the best real estate attorneys, general contractors and appraisal companies who can help you every step of the way.

Our borrowers succeeding is our top priority which is why when you win, we win.

Whether you stumbled across an undervalued home in Newport Beach perfect for a fix and flip or you want to cash-out of an office complex you own in Huntington Beach or you need an estate loan for an inherited property in Irvine — Crescent Lenders is a great funding solution for your real estate needs.

About the Orange County Real Estate Market

Orange County has over 3 million residents and is one of the most popular tourist destinations in the country with main attractions such as Disneyland, fashion island shopping center and surfing the world famous Wedge. 

The OC has one of the most expensive real estate markets in the nation with what seems like an endless amount of wealthy people.

This results in a fiercely competitive real estate market with the savviest of investors competing for properties. 

To get an extra edge, Orange County real estate investors commonly use hard money loans to rapidly fund timely investments faster than traditional banking institutions.


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.).
Crescent Lenders, 999 Overland Ave, Suite 116 Los Angeles, California