California lending
Hard Money Lending

California Hard Money Loans Up to $10 Million

  • No Min Credit Score
  • Fast 5–10 Day Funding
  • Residential & Commercial
  • 1st & 2nd Position Loans
  • Direct California Lender
Call (949) 409-8015

Hard Money Lending

$10M
Up to in Loans
5 Days
Funding
No Min Credit
Equity-Based

Apply for a Hard Money Loan

Fill out the form below and a hard money specialist will contact you today.

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Your information is secure and will never be sold or shared.

All information is kept strictly confidential. California only. Business purpose loans only.

Secure & Confidential
California Direct Lender
No Obligation Consultation
Response Within One Business Day
Our Loan Programs

California Hard Money Loan Programs

Direct hard money for residential, commercial, and bridge scenarios — equity-based approval with fast funding statewide.

01

Residential Hard Money Loans

Fast equity-based financing for single-family homes, multi-family, and investment properties across California — no bank underwriting, no income docs.

  • 1st & 2nd position loans
  • Owner-occupied & investor
  • Fund in 5–10 days
  • No prepayment penalties
  • Statewide California coverage
02

Commercial Hard Money Loans

Direct private capital for commercial, mixed-use, retail, office, and industrial properties. Equity-based approval keeps your closing on schedule.

  • Loans up to $10 million
  • Mixed-use & industrial
  • Bridge & cash-out options
  • Flexible 12–36 month terms
  • Asset-based underwriting
  • Fast direct decisions
03

Bridge Loans

Short-term bridge financing to close the gap between buying and selling, fund a time-sensitive purchase, or secure a property before permanent financing.

  • Deferred payments up to 12 months
  • Terms up to 36 months
  • Fast approval & funding
  • Equity-based qualification
  • No early payoff penalties
  • Purchase & refinance
Serving All California Counties

Direct Lender for All of California

Lending Capital funds hard money and private money loans statewide — including Orange County, San Diego County, the Inland Empire, Kern County, and every county across California.

Los Angeles CountyOrange CountySan Diego CountyRiverside CountySan Bernardino County (Inland Empire)Kern CountyVentura CountySanta Barbara CountySacramento CountyFresno CountyAlameda CountySan Francisco Bay Area
FAQ

Hard Money Loan FAQ

Everything you need to know about California hard money loans

Advertising Disclosures

Lender:Lending Capital Corp., a direct private hard money lender licensed in California.
Address:27422 Portola Pkwy, Suite 200, Foothill Ranch, CA 92610
Phone:Toll Free (949) 409-8015 · Fax (800) 451-7280
Loan Amounts:$50,000 – $5,000,000
Loan Terms:12 – 36 months
Rates & Fees:Interest rates starting at 8.99%, origination fees of 1–4 points; other fees vary by loan. Contact us for a personalized quote.
Qualification:Loans are equity-based. Credit history is reviewed but not the primary factor. No minimum credit score required.
Equal Housing:Equal Housing Lender. We do not discriminate against any applicant on a prohibited basis under applicable fair lending law.
Not a Commitment:All loans are subject to satisfactory property valuation, title review, and underwriting. Approval is not guaranteed.
Broker Protected:Broker fee protection available on submitted loan scenarios.

This is an advertisement for hard money and private money lending services. Lending Capital is a California direct lender. This page is a solicitation of business and not a loan commitment or offer to lend. All rates, terms, and fees are subject to change without notice and vary by loan scenario. Loans are made or arranged under applicable California law.