California Hard Money Lending Guide

Our platform has 553 hard money lenders that service California. The loans they offer range from no minimum to $500M with an average cap of $38M. The maximum loan-to-value (LTV) accepted is 100% with an average limit of 83%. The lowest minimum required credit score to qualify for a loan is 300 while the highest is 720. California ranks as #1 in popularity for hard money lenders. The areas with the most real estate and lending activity are Los Angeles, San Diego, San Jose and San Francisco. To find a lender that meets your exact criteria, submit a quick request.

Merchants Mortgage

Loans up to $10M. Maximum loan-to-value percentage of 90%. 680 credit score required.

10 States

Tap Capital

Loans from $1M to $10M. Maximum loan-to-value percentage of 65%. 600 credit score required.

5 States

IGR Mortgage Services

Loans up to $10M. Maximum loan-to-value percentage of 70%. 600 credit score required.

4 States

Rapid Merchant Capital, LLC.

Loans from $400K to $10M. Maximum loan-to-value percentage of 75%. No credit score required.

50 States

Quentin Realty Capital LLC

Loans from $50K to $5M. Maximum loan-to-value percentage of 85%. 620 credit score required.

48 States

Capital Property Group

Loans from $50K to $20M. Maximum loan-to-value percentage of 75%. No credit score required.

50 States

Carol City Capital LLC

Loans from $500K to $100M. Maximum loan-to-value percentage of 70%. 650 credit score required.

50 States

Equity Trac

Loans from $100K to $2M. Maximum loan-to-value percentage of 90%. 650 credit score required.

50 States

SVN Capital Markets

Loans from $1M to $100M. Maximum loan-to-value percentage of 90%. 650 credit score required.

32 States

Polaris Commercial Financing Group

Loans from $1M to $100M. Maximum loan-to-value percentage of 80%. No credit score required.

50 States

Spyglass Lending

Loans from $75K to $3M. Maximum loan-to-value percentage of 75%. 550 credit score required.

1 State

Attler Capital Group

Loans from $100K to $2.5M. Maximum loan-to-value percentage of 70%. 400 credit score required.

1 State

LK Secured Lending LLC

Loans from $500K to $20M. Maximum loan-to-value percentage of 65%. 720 credit score required.

6 States

Walt Shoefler

Loans from $500K to $50M. Maximum loan-to-value percentage of 50%. 650 credit score required.

50 States

INCA Capital

Loans from $750K to $15M. Maximum loan-to-value percentage of 75%. No credit score required.

5 States