Hard Money Lenders Santa Barbara

Bridge Loans for Residential and Commercial Real Estate Investors

Hard Money Lenders Santa Barbara

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

Pasadena, CA
Amount: $950,000
Type: Purchase
Loan To Value: 50%
Rate: 8.25%
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
Huntington Beach, CA
Amount: $2,275,000
Type: Refinance
Loan To Value: 65%
Rate: 9.00%
Property Type: Single Family
Term: 12 Months

Santa Barbara Private Money Loans

Crescent Lenders is a direct California hard money lender with over a decade of experience funding hard money loans in Santa Barbara County.

Lending our own money allows us to act in the fastest possible manner to get your commercial or residential real estate deal funded.

Over the past decade we have successfully funded over 100 million dollars worth of private money loans for California real estate investors.

Our longevity can be attributed to our superior customer service, competitive interest rates and low origination points relative to our competitors.

Pre-Qualify for a Santa Barbara Hard Money Loan

Call us today for a brief 5 to 10 minute conversation to get same day pre-approval.

Once terms are agreed upon, funding can be provided in as little as 5 to 7 days.

While your credit score will be factor, our primary concern is with the loan to value ratio of the property being used as collateral.

It's important for borrowers to have at least 25% down payment or equity in the property.

We Don't View Our Borrowers as Clients but Rather as Our Partners

It’s in our best interest as the lender to have our borrowers succeed.

Therefore we will only lend money to borrowers we deem capable of making monthly interest payments and who are able to pay us back.

Everyday we encounter borrowers with unique loan requests.

Maybe you want to purchase an apartment complex to rent to UCSB students in Isla Vista or would like some extra cash to renovate your family home in Montecito to sell it for top dollar or perhaps you need to refinance your existing hard money loan on an office building you own in Goleta — whatever your situation, Crescent Lenders is available to assist with your Santa Barbara hard money needs.

A Santa Barbara hard money loan can be the difference between you being the winning or losing bidder on a property.

Borrowers enjoy working with us, check out our reviews 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

Types of Santa Barbara Private Money Loans

Crescent Lenders works with both residential and commercial real estate investors looking to purchase investment property in Santa Barbara and elsewhere in California.

Our hard money loans are backed by a hard real estate asset, and we fund various types of loans, including:

  • Fix & Flip loans: short-term loans used to buy, renovate and sell real estate quickly.
  • Refinance Loans: used by real estate investors looking to either renew an existing hard money loan or in need of a more affordable interest rate with better terms.
  • Purchase Loans: real estate investors use these loans to quickly acquire investment properties.
  • Estate Loans: also known as an inheritance loan, trust loan or probate loan, lenders allow beneficiaries to borrow against an estate going through probate.
  • Bridge Loans: often used to purchase a new home before selling your old home.
  • Private Money Loans: otherwise known as hard money loans or bridge loans, these short-term loans are made by individuals and companies to real estate investors.
  • BRRR Loans: stands for buy, rent, rehab, refinance repeat. Brrrr loans are short-term loans used to purchase and rehab a property. Once renovations are completed the investor transitions into a long-term conventional bank loan.

Obtaining a hard money loan with Crescent Lenders is substantially easier than getting a conventional bank loan.

Our underwriting process heavily focuses on the loan to value ratio of the real estate being used as collateral.

Our objective is to find out if you:

  • have 25% or more invested in the collateral
  • have a sound exit strategy to pay us back
  • are capable of making the required monthly interest payments

About Santa Barbara

Santa Barbara is a small city burrowed between the Pacific Ocean and the Santa Ynez Mountains.

Referred to as The American Riviera, its' 100,000 residents and visitors enjoy great surfing, world-class wineries and consistently perfect weather.

However, all these great qualities of life come at a price!

Santa Barbara consistently ranks in the top 5 most expensive cities to live in the nation and consequently has some of the most expensive real estate in America.


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

Recent Posts

What Is the Difference Between a Hard Money Loan and a Private Money Loan?

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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.).

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