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Orange County Hard Money Lenders

That Accelerate Your Success

Reliable Hard Money Lenders in Orange County

Houses on Cliffs with Orange County Coastline

For over a decade, Crescent Lenders has been providing funding for hard money loans in Orange County and the broader Southern California region.

With some of the most competitive interest rates and lowest fees in the industry, coupled with our exceptional service, we strive to deliver an outstanding experience for our borrowers.

In the past 10 years alone, we have successfully funded over $100 million in private money loans for commercial, industrial, and residential properties.

If the fundamental aspects of your project align, we have the capability to finance it in as little as 5 to 7 days.

Direct Private Money Lenders

South Bay

To ensure borrowers get the best rates, it's important to use a direct hard money lender rather than a broker.

A broker often adds additional origination points on top of the fees charged by the hard money lender. Depending on the loan size, this can result in unnecessary fees amounting to tens of thousands of dollars.

Smart borrowers opt for direct hard money lenders who have their own funds and don't need to involve multiple middlemen or deal with excessive financial regulations.

When you work with us, you'll have direct access to a straightforward decision maker who is transparent and open about the loan situation. They will inform you whether a deal can be completed or not.

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

Types of Orange County Hard Money Loans We Fund

Huntington Beach Pier

Crescent Lenders funds various types 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 determine if your deal is something we are interested in funding.

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

The objective of our underwriting process is to assess whether the loan is a secure investment. We are committed to your success and only fund loans in which we have a high degree of confidence.

The three main factors we consider are:

  1. The borrower has sufficient equity in the property.
  2. The borrower is capable of making the monthly mortgage payments.
  3. The borrower has a well-thought-out exit plan.

Over the last decade, we have funded hundreds of millions of dollars in loans.

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

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

Advantages to Using Crescent Lenders

As a trusted and experienced private money lender in Southern California, we have established relationships with top-notch real estate attorneys, general contractors, and appraisal companies who can assist you throughout the entire process.

Ensuring the success of our borrowers is our utmost priority because when you win, we win.

Whether you have come across an undervalued home in Newport Beach that's ideal for a fix and flip, you wish to cash out on an office complex you own in Huntington Beach, or you require an estate loan for an inherited property in Irvine, Crescent Lenders is the perfect funding solution for your real estate needs.

Recent Hard Money Loans in Orange County

Residential Condominium in Seal Beach, Orange County
Seal Beach Cash-Out Loan
Seal Beach, Orange County
Residential Condominium in Tustin, Orange County
Tustin Hard Money Loan
Tustin, Orange County
Single-Family Home in Huntington Beach, Orange County
Huntington Beach Bridge Loan
Huntington Beach, Orange County

About the Orange County Real Estate Market

Orange County, with over 3 million residents, is a highly sought-after tourist destination in the country. It boasts popular attractions like Disneyland, the Fashion Island shopping center, and world-famous surfing spot, the Wedge.

The real estate market in Orange County is known for being one of the most expensive in the nation, attracting a significant number of affluent individuals.

As a result, the real estate market in the area is fiercely competitive, with savvy investors vying for properties.

To gain an extra edge, real estate investors in Orange County often turn to hard money loans, which allow them to quickly secure timely investments faster than traditional banking institutions.

Orange County Hard Money 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.).