Sacramento Hard Money Lenders

Bridge Loans for Residential and Commercial Real Estate Investors

Sacramento 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

Recent Deals

Los Feliz, CA
Amount: $2,100,000
Type: Rehab
Loan To Value: 65%
Rate: 9.00%
Property Type: Single Family
Term: 12 Months
Los Angeles, CA
Amount: $500,000
Type: Rehab
Loan To Value: 75%
Rate: 8.75%
Property Type: Single Family
Term: 12 Months
Costa Mesa, CA
Amount: $650,000
Type: Purchase
Loan To Value: 50%
Rate: 9.00%
Property Type: Industrial
Term: 18 Months

Trusted Sacramento Hard Money Lenders

For over a decade, Crescent Lenders has been providing private money loans to real estate investors and property owners in Sacramento and throughout California.

As direct bridge lenders, we have successfully funded hundreds of millions of dollars in hard money loans spread across numerous real estate projects.

Our fund is well capitalized, allowing us to move quickly when borrowers need us most.

Our superior customer service, inexpensive fees and competitive interest rates make us the top choice for your Sacramento hard money loan.

Apply for a Sacramento Hard Money Loan Today 

Maybe you need to refinance an existing hard money loan for an investment property in Tahoe Park or are performing a 1031 exchange on a retail center in Midtown or perhaps you want to purchase a multi-family property in Land Park — whatever your circumstance, Crescent Lenders is here to help with your Sacramento bridge loan needs.

Whatever form of communication you prefer is fine, our team is ready to assist with your Sacramento hard money lending needs.

Limited documentation is required and loans can be funded in as few as 5 days.

Contact us today.

Bridge Loan Types

We fund an assortment of hard money loans in the Sacramento area for all commercial and residential property types.

All hard money loans we fund must be secured by real estate and we fund a variety of loan types, including:

  • Trust Loans: also known as a probate loan, estate loan or inheritance loan, this type of loan enables heirs of an estate to tap into their inheritance while probate process is being completed.
  • Fix & Flip / Rehab Loans: a short-term loan to help real estate investors cover the purchase and renovation of a property which will be sold for a profit.
  • 1031 Exchange Loans: real estate investors are under strict government rules when it comes to a 1031 exchange and therefore they often require a bridge loan to purchase a replacement property.
  • Purchase Loans: used to beat out other investors on a home with multiple offers in a competitive real estate market.
  • Cash-out Loans: popular amongst real estate investors looking to tap into equity in their property.
  • Refinance Loans: used by property owners with an existing hard money loan that needs to be extended or by a property owner searching for a more affordable hard money loan with better terms.
  • BRRRR Loans: (Buy, Rehab, Rent, Refinance, Repeat) a BRRRR loan provides an investor with capital to purchase and upgrade a distressed property and rent it out. Once the property is stabilized the investor replaces the BRRRR loan with a traditional bank loan.

Determining Factors for Getting a Sacramento Hard Money Loan

While there are a numerous factors we consider during our underwriting process, no component is more important than the loan to value ratio of the collateral property.

We want the borrower to have a decent amount of skin in the game, therefore we require a minimum of 25% equity in the property.

It’s also important for a borrower to show an ability to make the monthly interest payments and for them to have a viable exit strategy to pay off the hard money loan.

The two most common exit strategies our borrowers use are either selling the property or refinancing with a long-term traditional bank loan.

While credit score and employment history are taken into consideration, they are not crucial components to securing a private money loan with us.

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

Benefits to Using a Sacramento Hard Money Lender

Crescent Lenders is a knowledgeable and resourceful private money lender in Sacramento.

With local contacts ranging from contractors to lawyers to appraiser, our network is at your disposal!

Once we lend a borrower money, we consider them partners.

From that point forward our success is tied to their success. Therefore we try to work together toward the common goal of making our borrower’s project a success.

California real estate is expensive, oftentimes real estate investors do not have sufficient funds necessary to purchase a property and maybe they are unable to qualify for a traditional bank loan.


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
  • California
  • Los Angeles
  • San Diego
  • San Francisco

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, 2999 Overland Ave, Suite 116, Los Angeles, California, 90064