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Hard Money Lenders San Francisco

That Accelerate Your Success

Our Lending Guidelines

Interest Rates:Starting @ 9.75% (interest only)
Closing Time:5 to 7 Days
Location:Anywhere in California
Loan-To-Value :Up to 75% LTV
Amounts:$200K to $5M
Origination Fee:2 to 3 points, dependant on size and term
Lien Positions:First Trust & Second Trust Deeds
Underwriting Fee:$1500
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

Bay Area Hard Money Lenders You Can Trust

Trolly Car in The Streets of San Francisco

Crescent Lenders is a leading San Francisco Bay Area hard money lender.

Residential and commercial real estate investors in California rely on us for fast, flexible and reliable financing solutions.

Decades of experience combined with our local knowledge of The Northern California real estate market has resulted in positive results for both our borrowers and investors.

Contact Us to Pre-Qualify for a Hard Money Loan in the Bay Area

Aerial View of a Winding Road and Residential Buildings in San Francisco

Qualifying for a hard money loan with Crescent Lenders is nothing like the bureaucratic process of big banks.

In many instances we’ve funded deals in 5 to 7 days.

From the time you call us to the time we close the deal, our team works diligently to tailor a deal to your exact circumstances.

Communication is the lifeblood of our business which is why we always return your phone calls and emails in a prompt fashion in order to move the loan process forward in every way possible.

Types of Loans We Fund

Row of Houses in San Francisco

From Shasta to Monterey we fund deals in and around the San Francisco and the greater Bay Area.

Whether the property is residential, commercial, industrial or mixed-use, we can provide you with the funding to accelerate your real estate investment project.

We fund all types of private money loans, including:

  • fix and flips
  • purchase
  • cash-out and refinances
  • probate (aka, estate, trust or inheritance loans)
  • bridging loans and all other types of loans that use a hard asset such as real estate as the collateral

Unlike big banks, we do not have strict requirements and loan programs.

We work with our borrowers and tailor make their loan program to their real estate investment needs.

With this flexibility, we can also fund your deal in as little as 5 to 7 days.

The most important factor in determining if we fund a deal is the underlying value of the asset used as collateral.

Check out our stellar reviews below from other borrowers who we’ve funded in the past.

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

About San Francisco’s Real Estate Market

San Francisco (aka, the City by the Bay), is a large costal city in Northern California.

The 5th most densely populated county in the nation with nearly 1 million residents, it’s an extremely ethnically-diverse city.

It's home to Silicon Valley, the tech capital of the world and as a side effect, one of the wealthiest and most expensive cities in America.

San Francisco is a city mostly comprised of professionals, managers, sales, office and tech workers.

The city possesses an abundance of pre-World War II architecture, making it the biggest city in America for historic buildings, which adds to its charm.

Its strong economy and large white collar labor force it's no wonder real estate prices are high.

With the ongoing growth of tech companies, property values in the city are likely to experience an increase in value over the longer term.

It’s a very competitive real estate market where homes sell quickly and often over their asking prices.

To stay competitive in the San Francisco market, many investors use hard money loans to finance their real estate projects.

These loans are asset based and focus more on the value of the collateral rather than a borrower's credit score or income.

Offers with a hard money loan are likely to stand out to sellers versus offers needing traditional financing which can take longer to secure and often times falls through.

If you are in the market for a private money loan in the Bay Area, contact us today.

Fast Facts

  • The average profit on a fix and flip in San Francisco in 2020 was $158,500
  • The average house price through April 2021 was $1,453,455
  • The average time to complete a fix and flip is 192 days
  • San Francisco is the number one region in the US for million dollar-plus house flips

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

SF Hard 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.).