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Ventura Hard Money Lender

We Will 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

Dependable Ventura County Bridge Lenders

Ventura Industrial Area

Based out of Los Angeles; Crescent Lenders provides hard money loans for residential and commercial investment properties throughout California.

Our decade of experience along with our extensive knowledge of Ventura private money loans makes us the ideal lender to fund your real estate project.

We offer borrowers competitive interest rates, minimal fees and fantastic customer service.

With a flexible lending criteria and having more money than deals, we can give borrowers quick financing to take advantage of attractive real estate opportunities.

Our goal is to give customers a personalized lending experience, whereby we create a long lasting professional relationship.

Get Pre-Approved Today

Ventura Lifeguard Tower

Contact us to talk about your funding scenario.

Borrowers often receive pre-approval after a short 5 to 10 minute call.

Once terms of the hard money loan are agreed upon, funds can be transferred in less than a week.

Obtaining a Ventura County Hard Money Loan

Ventura Coastline

Getting a bridge loan using Crescent Lenders is significantly easier and faster than being approved for a regular bank loan.

There are numerous determining factors in our underwriting process, however none are more important than the loan-to-value ratio (LTV) of the real estate being used as collateral.

The higher the amount of equity a borrower has in a property, the more attractive it is for us as the lender to want to fund the deal.

Typically the lower the LTV, the lower the risk for the hard money lender.

As lenders, our objective is to figure out:

  • if you have more than 25% equity in the property
  • have adequate experience (if performing a fix and flip)
  • have a feasible exit plan
  • are financially equipped to service the monthly payments

Other factors with lesser importance to our underwriting process include a borrowers creditworthiness, employment history and income.

While these secondary factors are considered, they will not make or break the funding for your deal.

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

Benefits to Using a Ventura Hard Money Lender

Crescent Lenders is not your typical California private money lender.

We have relationships with various Ventura County real estate professionals including general contractors, attorneys and property appraisers.

Our network is your network and our goal is to create a winning scenario for both Crescent Lenders and the borrower.

Ideally we are able to create a long lasting working relationship.

Regardless of whether you want a cash-out loan for your retail property in Newbury Park or want a fix and flip loan for a single-family home in Thousand Oaks or need an inheritance loan for a multi-family apartment complex in Oak Park — whatever your situation, Crescent Lenders can solve your Ventura County hard money problems.

About Ventura County

Situated between Los Angeles and Santa Barbara, Ventura County is a Southern California coastal town with roughly 1 million residents.

More than half of the city is made up of Los Padres National Forest, with a majority of the remaining land outside the forest being used for agricultural purposes.

Ventura County's Mediterranean climate, nice beaches and good school system make it a perfect place to raise a family.

Ventura 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.).