California real estate investor capital
Private Money Lending in California
Capital from private lenders and funds that underwrite the deal — not your W-2. Time-sensitive purchases, fix-and-flip, cash-out, and structures banks simply don't offer.
Soft credit pull. No obligation. Won't affect your score.
We lend in all 50 states — headquartered in California
What we arrange
Structures the bank can't do.
Bridge Purchases
Auctions, court confirmations, off-market deals, and any contract where a 45-day bank close loses the property.
Fix & Flip Capital
Purchase plus rehab with a draw schedule as work completes — renovate, sell or rent, and exit.
Cash-Out & Season-to-Perm
Take equity out now at private money terms, then refinance into long-term debt once the property has seasoned.
Cross-Collateralization
Use equity in another property you own as collateral — often the difference between closing and losing a deal.
Entity Lending
Loans to LLCs, LPs, and trusts — the standard structure for investment property, with no personal income underwriting.
Who it fits
Built for investors the bank box doesn't fit.
- Self-employed and investor borrowers. Your income doesn't fit a W-2 underwriting model — the deal does the talking.
- Past credit events. Short sales, foreclosures, and bankruptcies are often seasonable with private money when the deal is sound.
- Time-sensitive closings. Auction deadlines, court confirmations, and motivated sellers where speed is the entire advantage.
- Flexible structures. Interest-only, rehab draws, and cross-collateralization — terms shaped to the deal, not a product sheet.
- Skin in the game. Purchases typically require 10–30% down or equivalent equity; refinances need real equity in the property.
How it works
Deal in, term sheet out — often within days.
- 1
Tell us the deal
Property, numbers, timeline, and exit plan. We match it across private lenders and funds and most files receive a term sheet in 48–72 hours.
- 2
Underwrite the asset
Inspection or appraisal, title, and entity docs. The property carries the approval — not your W-2.
- 3
Close in 5–30 days
Timing depends on loan type. Docs signed, funds wired to escrow. Draws release as rehab milestones complete.
Investor guides: Private Money Loan Requirements · Hard Money vs. Private Money
Related investor capital
Hard Money, Bridge & DSCR
Asset-based capital for fix-and-flip, bridge, and rental loans.
Learn moreMultifamily & Portfolio Loans
5+ unit apartments, mixed-use, new construction, and 5+ SFR portfolios.
Learn moreCommercial Real Estate Financing
Long-term purchase, refinance, and construction capital.
Learn morePrivate money FAQ
What's the difference between private money and hard money?
Functionally they overlap: both are asset-based capital priced on the deal. Private money typically comes from individuals, family offices, and funds; hard money often comes from professional lending companies. We arrange both — the right source depends on your deal size, timeline, and exit.
How fast can a private money loan close?
Five to ten business days is common once the appraisal, title, and entity documents are in. Auction and court-confirmation timelines can be met with rush processing.
Can I borrow in an LLC or trust?
Yes — most private money is lent to entities. LLCs, LPs, and trusts are all lendable. If your entity is new, tell us early so formation and operating agreements are ready before the close date.
What documents will I need?
The purchase contract, entity documents, insurance, bank statements, and a short deal summary — purchase price, rehab budget or rent roll, and your exit plan. No tax returns for most programs.
Can I refinance out of private money later?
Yes, and it's the standard playbook: close with private money, complete the work or lease-up the property, then refinance into a DSCR, conventional, or SBA loan once the property qualifies for long-term debt.
What does private money cost?
Pricing depends on leverage, the property, your experience, and the exit — so we don't publish one-size-fits-all numbers. Send the deal and a specialist will walk through actual figures for your scenario.
Time-sensitive deal?
Tell us the deadline. A California advisor reviews every deal personally.
Discuss Your Deal →