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Hard Money Lenders California

Extremely trustworthy, reliable, fast and experienced hard money lenders in California. We provide local hard money for your next new construction project, commercial property acquisition, fix and flip, rehab or buy and hold.

Get Funded Today, Call Now!

Hard Money Lenders California

Extremely trustworthy, reliable, fast and experienced hard money lenders in California. We provide local hard money for your next new construction project, commercial property acquisition, fix and flip, rehab or buy and hold.

Top Rated California Hard Money Lender on Google

Are you seeking property rehab hard money? We work with countless local real estate investors who frequently fix and flip properties.

We have commercial hard money funding available for the refinance, bridge and/or acquisition of commercial properties.

Do you need funding for land or construction needs in California for the development of residential or commercial spaces?

 Seeking out a hard money loan for a non-owner or owner occupied residential or investment property? Let us assist you in securing financing.

What Sets Us Apart


Our funding system is one of the fastest in the industry and the state. We can also provide 24 hour period turn around times for business purpose loans! We want you to get your money as quick as possible so it is our top priority.


Our hard money lending specialists are always in the loop with each loan and will provide help and knowledge at every step of the way. No need to worry, we will handle your application and the whole loan process efficiently, effectively and diligently.


With each new loan we prove ourselves to be the most diligent hard money lenders in California. Our number one objective is to make all of our clients extremely satisfied so that you want to work with us again and refer others!


Having a lot of experience with California hard money lending makes us very familiar with the California market. This gives us leverage to know which lenders specifically will be interested in your loan request. You should never work with with a non-local lender.


We have worked with and built relationships with many lenders in the hard money industry for over 30 years. You can trust experienced professionals like us who will get funding for you as quickly as possible. No two hard money lending scenarios are the same, but our veterans are experienced with them all.


Our partners and clients refer us new business regularly — be it family, friends or colleagues. Referrals are arguably the best validation that we are providing a trustworthy, respected and superior service!

How Our Hard Money Loan Process Works

1. Apply Online

Our simple, online loan application takes less that 10 minutes. Give us a call in order to get the answers you need.

2. Get Approval

You’ll receive a written offer within just 24 hours of submitting your application, and it will concisely outline all the terms of the loan in language that’s easy to comprehend.

3. Loan Funded

Our loan funding process is lightning fast – in just a matter of days, not the usual weeks that other lenders take. Once the loan is approved, we’ll fund it through you preferred method.

4. Pay Monthly

Make your monthly payments via mail, phone or direct deposit. The terms and schedule for repayment will be clearly laid out in the loan agreement, It’s that easy.

Why Hard Money Lenders California?

Rates From 7.99%

Great Rates

Rates starting at 7.99%, up to 70% LTV and 1.75 lender points with no prepayment penalties.

BBB A+ Rating

Reputation Matters

We are proud to be a Better Business Bureau “A+” rated Accredited Business since 2010

5 Star Rated on Google and Yelp

Clients Love Us

We are a premier 5-star rated lender on Google and Yelp for a reason. We deliver as promised.

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We Can Help

Poor credit, bankruptcy, foreclosure, self-employed or foreign national? No problem.


Loans Funded


Total Amount Funded

Top Rated Private Money Lenders

“HMLA was prompt in returning his answer on my property. They had funding within a week and always answered the phone when I called or texted me back. I am positive that this is the main reason the whole process went so smooth. I look forward to working with you guys on more of my properties in AZ. Thank you.”

Brian M

“I have done deals with HMLAZ twice and both times he was professional, and more importantly compassionate! My family and I were going through a rough time and not being able to qualify for a conventional loan and on the verge of losing our home came and he came to our rescue. He communicates well. Also calls back and doesn’t leave you hanging for days. If you need help with a difficult loan he is your guy! I’m proud to say this business relationship also turned into a friendship. Thanks Michael you are the best!”

John S

“HMLA made the whole process very easy. This was my first time using a hard money lender and he was able to happily explain everything clearly and simply. Not to mention I happened to have the closing from h***, and if it weren’t for them, I don’t know what would’ve happened! Thank you so much for all your hard work, and I’m looking forward to doing more business with you in the future!”

Tiffany B

“Amazingly easy to work with. I love his energy and easy going attitude. He gets it done with no stress on the client’s side! You cannot ask for a better hard money lender than Hard Money Lenders Arizona!”

Inger H

“It was such a pleasure working with Hard Money Lenders Arizona on a recent transaction for a non profit corp. What I like best is that he has a proactive approach and is never difficult to reach. Of course his attention to detail, accuracy of information, and the ability to communicate clearly, is what really puts him over the top! Highly recommend!!”

Sherry M

What is Hard Money?

A hard money loan is a kind of funding where real estate is acting as the asset that backs it. Hard money loans are typically administered by private lenders and investors, and normally come with elevated interest rates.

Hard money loans are a lot like bridge loans. The biggest difference between a hard money loan and a bridge loan is that bridge loans usually involve commercial or investment properties that are in transitioning into attaining traditional financing.


Turnaround times can be as quick as 24 hours for business purpose hard money loans! Contact us today to discuss you options!


We do not require records like W-2s, tax returns, or pay stubs!  We can provide a hard money loan based on assets and stated income alone.


No credit history?  Low credit score?  That’s ok!  We will look at your assets and LTV ratio. Contact us today to discuss you options!


It is possible to receive as much as 75% LTV (loan-to-value) or LTC (loan-to-cost).  With specific circumstances, 90% may even be possible!

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This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to providing acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
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