Grover Beach Private Money Lenders
Seeking a private money loan secured by real estate in Grover Beach, CA? This page features a curated list of direct private money lending companies offering fast funding for a property purchase, refinance, or equity cash out in 1st or 2nd lien position. Private mortgages are typically short-term, ranging from 6 to 36 months, and are primarily asset-based, focusing on the property’s equity. Most lenders require a minimum of 30% equity, with loan-to-value (LTV) ratios between 60% and 70%. While interest rates and fees are higher than those of traditional bank loans, private money loans fund faster, with fewer requirements and less documentation. It's mostly for investment properties, but state laws enable some lenders to use a borrower's primary residence as collateral, if the loan is for a business purpose.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
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Rubicon Mortgage Fund, LLC
California’s Premier Direct Lender | No Appraisal Required
Secured Capital Lending
Direct Private Lender for California Investment Properties
GW Private Capital, Inc.
Direct private lending powered by long‑standing investor relationships
Stonecrest Financial
Bridge Loans up to 3 years | True Revolving Line of Credit in 1st or 2nd Position
RCN Capital
Wholesale Lender for Residential Fix & Flip, Long-Term Rental, New Construction, & Bridge Loans
Dunmor
Do More With Dunmor
Certain Lending
The Mortgage Company Built for Real Estate Investors
Loan Mac, Inc.
2nd Mortgage Cash Out Loans up to 70% CLTV | No Appraisals
RBI Private Lending
Direct lender for Bridge Loans, Fix and Flip and Construction. Foreign nationals and new investors welcome.
Wilshire Quinn Capital, Inc.
Bridge Loans for Commercial and Residential Property Nationwide
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Unitas Funding LLC
Direct Lending for Residential Property Investors - Bridge, Rehab, Construction
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
First Bridge Lending
Direct Lender for California Real Estate Investors | No Appraisal Required
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Top 20 California Private Lenders
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in California from October 2025 to December 2025.
- Kiavi funded 795 loans
- Conventus LLC funded 303 loans
- Oaktree Funding Corporation funded 225 loans
- Center Street Lending funded 211 loans
- Genesis Capital funded 173 loans
- Merchants Mortgage and Trust Corporation funded 163 loans
- Anchor Loans funded 155 loans
- Val Chris Investment Inc funded 153 loans
- Arv Finance INC funded 149 loans
- Velocity Commercial Capital funded 138 loans
- Fundloans Capital funded 132 loans
- Go Rascal INC funded 132 loans
- Easy Street Capital funded 118 loans
- Ascent Developer Solutions (Whgg Trust) funded 117 loans
- Ardri LLC funded 101 loans
- Youland Inc funded 91 loans
- Funding 365 INC funded 90 loans
- M5 Financial funded 86 loans
- First Bridge Lending funded 81 loans
- Provident Trust Group funded 75 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
California Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for California private money loans in the 1st quarter of 2026 was 10.05%. The average loan amount was $1,081,715. These stats are the average of 1,683 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between January 1, 2026 and March 31, 2026 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California private 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 private 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 private money loans in the 1st quarter of 2026 was 10.48%. The average loan amount was $906,138. Of the 732 total loans in the 3-month period, 482 were secured by properties in Los Angeles County, 127 in Orange County, 58 in Riverside County, 50 in San Bernardino County and 15 in Ventura County.
San Francisco Bay Area
The average interest rate for Bay Area private money loans in the 1st quarter of 2026 was 9.98%. The average loan amount was $1,158,772. Of the 339 total loans in the 3-month period, 62 were secured by properties in Alameda County, 38 in Contra Costa County, 14 in Marin County, 7 in Monterey County, 6 in Napa County, 35 in San Francisco County, 39 in San Mateo County, 109 in Santa Clara County, 4 in Santa Cruz County, 14 in Solano County and 11 in Sonoma County.
San Diego
The average interest rate for San Diego private money loans in the 1st quarter of 2026 was 9.76%. The average loan amount was $1,075,064. The averages are derived from 363 loans secured by properties in San Diego County.
Sacramento
The average interest rate for Sacramento private money loans in the 1st quarter of 2026 was 9.94%. The average loan amount was $881,424. Of the 54 total loans in the 3-month period, The averages are derived from 35 loans secured by properties in Sacramento County, 4 in El Dorado County and 11 in Placer County.
Central Valley
The average interest rate for Central Valley private money loans in the 1st quarter of 2026 was 10.55%. The average loan amount was $426,613. Of the 95 total loans in the 3-month period, 44 were secured by properties in Fresno County, 23 in Kern County, 7 in Madera County, 5 in Merced County, 10 in San Joaquin County and 6 in Stanislaus County.
Santa Barbara
The average interest rate for Central Valley private money loans in the 1st quarter of 2026 was 10.33%. The average loan amount was $1,195,056. Of the 36 total loans in the 3-month period, 8 were secured by properties in San Luis Obispo County and 28 in Santa Barbara County.
According to private lending data provider, Analytics Logics, the average interest rate for California private money loans in the 3rd quarter of 2025 was 10.29%. Lenders charged an average of 1.3% points (origination fee). The average LTV (loan-to-value) for private money loans in California was 57%, and the average loan amount was $676,100. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top California Investors Using Private Lenders
According to Forecasa™, here are the some of the most active real estate investors in California that use private lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- Zca Homes LLC
- Gennext Properties LLC
- Aro Properties Norcal 1 LLC
- Lykos Holdings LLC
- Milestone Investments (Ca)
- EVEROSE LLC
- Tlp 1 LLC
- RS REAL ESTATE PLUS
- New Leafs LLC
- JRC INVESTMENTS LLC
- New Beginnings Ventures LLC
- Luxx Investments Corporation
- My Tien Truong INC
- DB Residential LLC
- AJX Homes LLC
- Sky Living Investments LLC
- Mr Rehab INC
- Hm Homes INC
- EPIC LA QUINTA PARTNERS LLC
- KYB HOMES LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in California recently:
Kiavi | Conventus LLC | Certain Lending* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
California Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in California which were funded by private lenders from January 2025 to December 2025.
- Approximately $- of private money loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $4,349,257,585 of private money loans were funded in the 3rd quarter of 2025 for 3,405 borrowers.
- Approximately $5,916,144,682 of private money loans were funded in the 2nd quarter of 2025 for 3,974 borrowers.
- Approximately $4,048,456,002 of private money loans were funded in the 1st quarter of 2025 for 3,330 borrowers.
Below are the approximate private money loan volume amounts for California’s metropolitan areas:
Bakersfield-Delano, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $16,190,417 for 59 borrowers
- 2025 Q2: $20,701,340 for 61 borrowers
- 2025 Q1: $11,106,025 for 42 borrowers
Fresno, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $30,755,240 for 81 borrowers
- 2025 Q2: $31,472,896 for 98 borrowers
- 2025 Q1: $22,462,800 for 79 borrowers
Los Angeles-Long Beach-Anaheim, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $1,941,867,949 for 1,291 borrowers
- 2025 Q2: $3,437,299,570 for 1,506 borrowers
- 2025 Q1: $2,067,507,545 for 1,239 borrowers
Oxnard-Thousand Oaks-Ventura, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $4,487,010 for 5 borrowers
- 2025 Q2: $23,572,032 for 22 borrowers
Riverside-San Bernardino-Ontario, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $217,710,497 for 352 borrowers
- 2025 Q2: $194,402,024 for 395 borrowers
- 2025 Q1: $180,793,079 for 339 borrowers
Sacramento-Roseville-Folsom, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $113,419,528 for 191 borrowers
- 2025 Q2: $106,097,308 for 203 borrowers
- 2025 Q1: $88,748,908 for 170 borrowers
San Diego-Chula Vista-Carlsbad, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $491,426,907 for 385 borrowers
- 2025 Q2: $512,898,627 for 432 borrowers
- 2025 Q1: $422,649,166 for 355 borrowers
San Francisco-Oakland-Fremont, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $567,690,435 for 355 borrowers
- 2025 Q2: $717,632,960 for 500 borrowers
- 2025 Q1: $491,508,237 for 359 borrowers
San Jose-Sunnyvale-Santa Clara, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $370,468,474 for 157 borrowers
- 2025 Q2: $325,256,693 for 158 borrowers
- 2025 Q1: $287,098,320 for 159 borrowers
Stockton-Lodi, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $11,631,590 for 28 borrowers
- 2025 Q2: $18,626,983 for 56 borrowers
- 2025 Q1: $19,501,800 for 39 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
California Private Money Lending Guidelines
California has lots of “private money” and lots of professional private money lending companies that offer short-term loans secured by real estate. It’s mainly for investment properties, but California has some unique laws that enable private lenders to fund loans secured by a borrower’s primary residence. Here are the typical private money lending guidelines for most lenders in California:
- Loan Amounts: $50,000 to $20,000,000
- Interest Rates: 9% to 13%
- Origination Fee: 1 to 3 points
- Maximum LTV for Senior (1st) Lien: Up to 70%
- Maximum CLTV for Junior Liens: Up to 65%
- Lien Position: 1st, 2nd or 3rd
- 2nd mortgages are common in California
- Loan Term: 1 month to 5 years
- Most private money lenders max out at 24 months
- Most lenders have a 3-month minimum term (interest guarantee)
- Payment Type: Interest-only
- Few private lenders in California amortize all of their loans
Select a Metro Area
California is a large state, and many private lending companies 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
