Bakersfield Bridge Lenders for Residential Investment Property
Are you seeking a bridge loan secured by residential property in the Bakersfield metro area? On this page you'll find a list of select bridge lenders for Bakersfield investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.Searching...
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Center Street Lending
Smarter Loans for Residential Investors
First Bridge Lending
Direct Lender for California Real Estate Investors | No Appraisal Required
GW Private Capital, Inc.
Direct private lending powered by long‑standing investor relationships
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
LoanEdge
Bay Area Private Money 1st and 2nd Liens | No Credit Check, No Appraisals
Loan Mac, Inc.
2nd Mortgage Cash Out Loans up to 70% CLTV | No Appraisals
SDC Capital
Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.
Certain Lending
The Mortgage Company Built for Real Estate Investors
Wilshire Quinn Capital, Inc.
Bridge Loans for Commercial and Residential Property Nationwide
New Silver
Financing Outside The Box
Trimark Funding Inc
Fast funding with No Appraisal, No Credit Check, No Red Tape
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Red Tower Capital, Inc.
Based in SF, lending throughout CA and beyond. Good service, quick close.
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Rubicon Mortgage Fund, LLC
California’s Premier Direct Lender | No Appraisal Required
LBC Capital Income Fund, LLC
Bridge Loans for Real Estate Investors
Stonecrest Financial
Bridge Loans up to 3 years | True Revolving Line of Credit in 1st or 2nd Position
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Secured Capital Lending
Direct Private Lender for California Investment Properties
Security Financial Services
Direct Lender for Northern California Property Investors | Established 1943
BaySierra Financial, Inc.
Asset-Based loans for properties throughout Northern California
Top 10 Bridge Loan Lenders in California by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active bridge lenders in California, measured by total funded loan count for short-term real estate loans (under 3 years) over the past 12 months. This data reflects current lending activity across California real estate investors.
| Company | Loans | Volume | Market Share |
|---|---|---|---|
| conventus | 2,437 | $1.7B | 15% |
| easy street capital | 2,160 | $257M | 4% |
| anchor loans | 1,792 | $1.2B | 8% |
| youland | 1,315 | $681M | 4% |
| iron bridge lending | 1,116 | $216M | 3% |
| roc capital / roc360 | 1,075 | $194M | 3% |
| arv finance | 1,002 | $698M | 9% |
| arixa capital | 985 | $1.0B | 3% |
| archwest capital | 601 | $468M | 3% |
| zinc financial | 557 | $70M | 2% |
Source: Elementix.ai (third-party data, not independently verified).
Top 20 California Bridge Loan Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Bridge Lenders ranked by the number of bridge loans* originated in California from January 2026 to March 2026.
- Kiavi funded 719 loans
- Conventus LLC funded 335 loans
- Oaktree Funding Corporation funded 248 loans
- Merchants Mortgage and Trust Corporation funded 200 loans
- Arv Finance INC funded 191 loans
- Fundloans Capital funded 184 loans
- Center Street Lending funded 183 loans
- Genesis Capital funded 162 loans
- Anchor Loans funded 154 loans
- Velocity Commercial Capital funded 148 loans
- Funding 365 INC funded 124 loans
- Go Rascal INC funded 124 loans
- Val Chris Investment Inc funded 115 loans
- First Bridge Lending funded 105 loans
- Easy Street Capital funded 101 loans
- Ardri LLC funded 94 loans
- Tier One Funding Ca INC funded 88 loans
- Youland Inc funded 88 loans
- Iron Bridge Mortgage Fund LLC funded 78 loans
- Private Business Capital (CalPrivate Bank) funded 76 loans
* The number of loans funded are approximate and includes long-term rental loans.
Source: Forecasa (this is third-party data, not independently verified).
California Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for California residential property bridge loans in the 2nd quarter of 2026 was 9.94%. The average loan amount was $1,110,298. These stats are the average of 1,916 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between April 1, 2026 and June 30, 2026 by multiple lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California bridge loan interest rates tend to be lower than other states, the data includes a lot of 2nd mortgages, which typically have higher rates than 1st mortgages. 2nd mortgages are quite common in California. In most other states, 2nd mortgages are non-existent in bridge lending.
Here is a breakdown of average interest rates in California’s metropolitan areas:
Los Angeles Metro AreaÂ
The average interest rate for Los Angeles bridge loans in the 2nd quarter of 2026 was 10.38%. The average loan amount was $1,018,098. Of the 799 total loans in the 3-month period, 520 were secured by properties in Los Angeles County, 154 in Orange County, 57 in Riverside County, 49 in San Bernardino County and 19 in Ventura County.
San Francisco Bay Area
The average interest rate for Bay Area bridge loans in the 2nd quarter of 2026 was 9.67%. The average loan amount was $1,151,659. Of the 424 total loans in the 3-month period, 90 were secured by properties in Alameda County, 37 in Contra Costa County, 16 in Marin County, 4 in Monterey County, 7 in Napa County, 66 in San Francisco County, 51 in San Mateo County, 126 in Santa Clara County, 6 in Santa Cruz County, 9 in Solano County and 12 in Sonoma County.
San Diego
The average interest rate for San Diego bridge loans in the 2nd quarter of 2026 was 9.83%. The average loan amount was $1,054,027. The averages are derived from 394 loans secured by properties in San Diego County.
Sacramento
The average interest rate for Sacramento bridge loans in the 2nd quarter of 2026 was 10.21%. The average loan amount was $977,603. Of the 59 total loans in the 3-month period, The averages are derived from 39 loans secured by properties in Sacramento County, 5 in El Dorado County and 10 in Placer County.
Central Valley
The average interest rate for Central Valley bridge loans in the 2nd quarter of 2026 was 10.23%. The average loan amount was $358,079. Of the 141 total loans in the 3-month period, 72 were secured by properties in Fresno County, 28 in Kern County, 5 in Madera County, 3 in Merced County, 22 in San Joaquin County and 11 in Stanislaus County.
Santa Barbara
The average interest rate for Central Valley bridge loans in the 2nd quarter of 2026 was 9.90%. The average loan amount was $1,128,059. Of the 22 total loans in the 3-month period, 8 were secured by properties in San Luis Obispo County and 14 in Santa Barbara County.
According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in California in the 1st quarter of 2026 was 10.40%. Lenders charged an average of 2.3% points (origination fee). The average LTV (loan-to-value) for bridge loans in California was 67%, and the average loan amount was $685,400. These stats are the average of all the loans which were funded between January 1, 2026 and March 31, 2026 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in California Using Bridge Loans (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in California who utilize short-term bridge loans, measured by total borrowing volume over the past 12 months. Total loan volume may include long-term loans from banks and conventional lenders.
| Entity | Loans | Volume |
|---|---|---|
| taber built homes llc | 400 | $1.8B |
| purchasing fund 2023 1 llc | 315 | $87M |
| executive homes llc | 294 | $151M |
| sky lake construction llc | 229 | $61M |
| vapa investments llc | 192 | $28M |
| tidewater developers llc | 178 | $279M |
| grandview capital llc | 177 | $41M |
| mcguinn homes inc | 161 | $312M |
| nilson & co llc | 146 | $76M |
| prestige home solutions llc | 145 | $31M |
Source: Elementix.ai (third-party data, not independently verified).
Select a Metro Area
California is an enormous state, and most bridge lenders are selective about where they lend, so filter your search by selecting a metro area:
Northern California: SF Bay Area | Sacramento | Lake Tahoe
Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara
Central California: Central Valley | Bakersfield | Fresno
California Bridge Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for short-term, business-purpose bridge loans secured by real estate in California over the past 12 months.
Q2 2026: ~$3.5B across 1,882 loans
Q1 2026: ~$3.9B across 2,583 loans
Q4 2025: ~$4.5B across 2,536 loans
Q3 2025: ~$3.5B across 2,410 loans
Source: Elementix.ai (third-party data, not independently verified).
Transactions identified as private lender loans were excluded if the available public records did not clearly indicate whether the original loan term was less than 3 years.
