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.

CW Funding, LLC

Loans from $250K to $20M. Maximum loan-to-value percentage of 80%. No credit score required.

49 States

Pivotal Capital Group II, LLC

Loans from $150K to $20M. Maximum loan-to-value percentage of 90%. No credit score required.

1 State

Empire Financial Services

Loans from $100K to $2M. Maximum loan-to-value percentage of 75%. No credit score required.

36 States

Macoy Capital

Loans from $100K to $20M. Maximum loan-to-value percentage of 90%. 620 credit score required.

42 States

Superior Business Lending

Loans from $250K to $50M. Maximum loan-to-value percentage of 90%. 550 credit score required.

50 States

ChangeMyRate.com® A Mortgage Corporation

Loans from $30K to $5M. Maximum loan-to-value percentage of 75%. No credit score required.

20 States

Raymond Holm

Loans from $1M to $100M. Maximum loan-to-value percentage of 75%. 500 credit score required.

50 States

Equity Cap Lending

Loans from $25K to $10M. Maximum loan-to-value percentage of 80%. 500 credit score required.

42 States

Westpark Loans

Loans from $100K to $20M. Maximum loan-to-value percentage of 65%. 600 credit score required.

4 States

RCD Capital

Loans from $75K to $50M. Maximum loan-to-value percentage of 90%. 620 credit score required.

50 States

Grants Real Estate Solutions

Loans from $100K to $30M. Maximum loan-to-value percentage of 80%. 660 credit score required.

50 States

Rodeo Lending

Loans from $100K to $1.8M. Maximum loan-to-value percentage of 75%. 600 credit score required.

46 States

Global Property Asset Management, Inc.

Loans from $30K to $8M. Maximum loan-to-value percentage of 80%. No credit score required.

50 States

Joe Sanchez, CMC - Allied Equity

Loans from $50K to $4M. Maximum loan-to-value percentage of 85%. 450 credit score required.

1 State

Alpha Funding

Loans from $75K to $3M. Maximum loan-to-value percentage of 65%. 625 credit score required.

25 States