California Hard Money Loans — Speed When Banks Say No
Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.
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.
Documentation After Review
Credit, income, experience, and documentation requirements are determined after review of the specific transaction.
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-Value Deal Review for CA Markets
Larger California transactions are reviewed individually based on the property, requested financing, and exit strategy.
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 Documentation determined after review.
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 hard money loan is short-term real estate financing secured by real property. Credit, income, experience, and documentation requirements are determined after review of the specific transaction. Grand Funding's published process targets decisions within 24 hours and funding within 3-5 business days after approval; actual timing depends on the transaction.
Do I need income documentation for a California hard money loan?
+Credit, income, experience, and documentation requirements are determined after review of the specific transaction. 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?
+Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.
Ready to Fund Your California Deal?
24-hour approval. 3-5 day funding. Documentation determined after review.
Run the property numbers before you call.
Planning tool only. It does not estimate a loan amount, rate, points, fees, leverage, approval, or final terms. Contact Logan at (602) 935-0371 for a transaction-specific review.
