California Hard Money Loans — Speed When Banks Say No
Direct hard money lender serving San Diego, Los Angeles, Orange County, and beyond. 24-hour approval, 3-5 day funding. No income docs, no tax returns. $70K–$5M. We evaluate the deal — not just the borrower.
Why do California investors choose Grand Funding?
The speed and flexibility California real estate demands
CA Banks Are Slow. We Aren't.
California properties move fast and competition is fierce. Traditional banks take 30-60 days. We close in 3-5. When a deal needs to happen, we make it happen.
No Income Documentation
No tax returns, no W-2s, no bank statements. California has plenty of high-net-worth borrowers who show low taxable income. We don't care about that — we care about the deal.
Direct Lender
No brokers, no middlemen, no approval committees. You talk directly to the decision-maker. That's how deals get done in California's competitive market.
High Loan Amounts for CA Markets
Up to $5M to handle California's higher property values. What's a small deal in Phoenix might be $1M+ in San Diego or LA — we're built for both markets.
Recent California Funded Deals
Fast funding from San Diego to LA
How does hard money lending work in California?
Three steps from application to funded
Submit Online
Fill out our short form with the property address, loan type, amount, and exit. We can also take a quick call if you prefer.
~10 minutesGet Your Term Sheet
In-house review of property value and exit strategy. Clear term sheet in 24 hours. No waiting for committees.
Within 24 hoursClose & Fund
Closing through a California title company. Funds wire within 3–5 business days from doc execution.
3–5 business daysWhat should California investors know about hard money loans?
Common questions from California real estate investors
Can you get a hard money loan in California?
+Yes. Grand Funding provides hard money loans throughout California including San Diego, Los Angeles, Orange County, Riverside, and the Inland Empire. We offer 24-hour approvals and fund most California loans within 3-5 business days with no income documentation required.
What California cities does Grand Funding serve?
+We primarily serve San Diego, Los Angeles, Orange County, Riverside, San Bernardino, Ventura, and Santa Barbara counties. Contact us to confirm availability for your specific California market and deal type.
How does a California hard money loan work?
+A California hard money loan is a short-term, asset-based loan secured by the property — not your credit score or income. Grand Funding evaluates the property value, your equity, and your exit strategy. Approval takes 24 hours, funding within 3-5 business days.
Do I need income documentation for a California hard money loan?
+No. We don't require tax returns, W-2s, or bank statements for most programs. This is especially valuable for California investors who are self-employed or show low taxable income despite strong assets and equity.
What are typical hard money loan rates in California?
+Hard money rates in California typically range from 9% to 14% depending on loan type, LTV ratio, property type, and borrower experience. Contact Grand Funding for a specific rate quote based on your California deal details.
Ready to Fund Your California Deal?
24-hour approval. 3-5 day funding. No income docs required.
Quick estimate. Real numbers in 24 hours.
Estimate only. Interest-only assumed. Origination, rate, and final loan-to-value depend on property, deal quality, and exit strategy. Logan reviews every deal personally — call (602) 935-0371 to talk specifics.
