Grover Beach Hard Money Lenders
Need a hard money loan secured by real estate in Grover Beach, CA? This page has a list of direct hard money lenders that offer quick funding for a property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st or 2nd lien position. Hard Money lending is mainly for investment properties, but state laws allow lenders to use owner-occupied homes as collateral for business-purpose loans. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.Searching...
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Center Street Lending
Smarter Loans for Residential Investors
SDC Capital
Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Groundfloor Lending
Fast Funding with Deferred Interest Payments
First Bridge Lending
Direct Lender for California Real Estate Investors | No Appraisal Required
Wilshire Quinn Capital, Inc.
Bridge Loans for Commercial and Residential Property Nationwide
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
Stonecrest Financial
Bridge Loans up to 3 years | True Revolving Line of Credit in 1st or 2nd Position
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Loan Mac, Inc.
2nd Mortgage Cash Out Loans up to 70% CLTV | No Appraisals
Rubicon Mortgage Fund, LLC
California’s Premier Direct Lender | No Appraisal Required
GW Private Capital, Inc.
Direct private lending powered by long‑standing investor relationships
New Silver
Financing Outside The Box
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Certain Lending
The Mortgage Company Built for Real Estate Investors
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Secured Capital Lending
Direct Private Lender for California Investment Properties
Top 10 Hard Money Lenders in California by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active hard money 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 Hard Money Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Hard Money Lenders ranked by the number of 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 Hard Money Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for California hard money 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 hard money lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California hard money 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 hard money lending.
Here is a breakdown of average interest rates in California’s metropolitan areas:
Los Angeles Metro Area
The average interest rate for Los Angeles hard money 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 hard money 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 hard money 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 hard money 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 hard money 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 hard money 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 California hard money loans 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 hard money 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 hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in California Using Hard Money (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in California who utilize hard money loans, measured by total borrowing volume over the past 12 months. Total loan volume may include 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).
California Hard Money Lending Guidelines
California has lots of hard money lenders that offer short-term loans secured by real estate. Here are the typical hard money lending guidelines for most lenders in California as of November 2024:
- The interest rates for hard money loans in California range from 8.5% to 12%.
- For a 2nd mortgage in California, most hard money lenders charge 11% to 14%.
- Most California hard money lenders charge an origination fee (aka points) between 2% and 3%.
- The loan amounts range from $100,000 to $20,000,000.
- The maximum loan-to-value (LTV) for hard money 1st mortgages is 70%.
- The maximum combined loan-to-value (CLTV) for hard money 2nd or 3rd mortgages is 65%.
- 2nd mortgages are common in California, and some lenders even consider 3rd or 4th lien position.
- The loan term for most California hard money lenders is 1 year, but some lenders will go up to 5 years.
- Most lenders have a 6-month minimum term (interest guarantee). Some do not have a prepayment penalty.
- The payments for most hard money loans are interest-only, and the entire principal amount is due at the end of the loan term.
- A few hard money lenders in California amortize all of their loans over 20 years.
Hard money lending is mainly for investment properties, but California has some unique laws that enable hard money loans to be secured by a borrower’s primary residence.
Select a Metro Area
California is a large state, and many hard money lenders focus on particular metropolitan areas. 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 Hard Money Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for short-term investment real estate lending 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.
