Best Hard Money Lenders in California (2026)
Compare hard money lenders serving California real estate investors. We found 5 lenders offering hard money loans in California — see rates, LTV, credit requirements, and expert reviews below.
Investing in California
Highest property values in the US, strong appreciation but challenging cash flow. Strict rent control in major cities. Out-of-state investors often use California equity to invest in cash-flow markets.
Key Markets
Typical Rates
10%–14%
Max LTV
65%–75% of ARV
Typical Terms
6–24 months
Min Credit
Flexible (550–650)
Hard Money Lenders Serving California
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Civic Financial Services | 7.5%–12% | 80% | 640 | $75K–$5M | 10–21 days | 4.1 |
| New Silver | 7.5%–13% | 80% | 650 | $100K–$5M | 5–10 days | 4.0 |
| Aloha Capital | 8%–12% | 80% | 650 | $150K–$3M | 7–14 days | 4.0 |
| Roc Capital | 7%–12% | 80% | 620 | $75K–$5M | 10–21 days | 3.9 |
| Park Place Finance | 9%–13% | 75% | 600 | $50K–$2M | 7–14 days | 3.7 |
Civic Financial Services
4.1Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
7.5%–12%
80%
640
10–21 days
$75K–$5M
No experience required
New Silver
4.0New Silver is a technology-first hard money and DSCR lender that emphasizes speed, offering instant term sheets and same-day pre-approvals. A strong option for fix-and-flip investors who need certainty and speed.
7.5%–13%
80%
650
5–10 days
$100K–$5M
No experience required
Aloha Capital
4.0Aloha Capital is a tech-enabled hard money lender offering fix-and-flip and bridge loans with a focus on transparency and speed. Known for clear pricing and a streamlined digital process.
8%–12%
80%
650
7–14 days
$150K–$3M
1–2 deals
Roc Capital
3.9Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
7%–12%
80%
620
10–21 days
$75K–$5M
No experience required
Park Place Finance
3.7Park Place Finance is a private lender specializing in hard money, bridge, and fix-and-flip loans. Known for flexibility on property types and deal structures.
9%–13%
75%
600
7–14 days
$50K–$2M
No experience required
About Hard Money Loans in California
Short-term, asset-based loans primarily used for fix-and-flip projects and bridge financing. Fast closings (7–14 days), minimal borrower qualification, but higher rates and shorter terms than permanent financing.
California real estate investors use hard money loans for fix-and-flip investors and investors needing fast closings. Compare hard money terms from multiple lenders to find the best fit for your California investment strategy.
Other Loan Types in California
Hard Money Lenders in Nearby States
Analyze Your California Deal
Use our free calculator to see if your California investment works with Hard Money financing.