Central Valley Private Money Lenders for Real Estate Investors

Here is a list of private money lenders for real estate in California's Central Valley. Use a private mortgage to get fast funding for a Central Valley investment property purchase, refinance or equity cash out. Our directory lists private money companies (not individual investors) offering short-term loans that typically range from 6 to 36 months.

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Rubicon Mortgage Fund, LLC

Northern California’s Premier Direct Lender | No Appraisal Required

$250,000 - $15,000,000
6 to 60 months
8.00% - 11.00%
1.00% - 4.00%
  • Videos on profile
  • PLL has personally met with this company
  • Deserves recognition
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Finance of America Commercial

Residential Real Estate Investment Loans Made Simple

$50,000 - $50,000,000
12 to 360 months
  • PLL has personally met with this company
  • Deserves recognition
  • Deals with construction projects
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RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
  • Videos on profile
  • PLL has personally met with this company
  • Deserves recognition
  • Residential properties only
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American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
  • Videos on profile
  • PLL has personally met with this company
  • Deals with construction projects
  • Residential properties only
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Nationwide Mortgage - California

Aggressive Pricing, Excellent Service for California Private Mortgages - Bridge, Rehab, Construction, Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
  • PLL has personally met with this company
  • Deserves recognition
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Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
  • PLL has personally met with this company
  • Deals with construction projects
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MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
  • PLL has personally met with this company
  • Residential properties only
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Red Tower Capital, Inc.

Based in SF, lending throughout CA and beyond. Good service, quick close.

$50,000 - $8,000,000
3 to 36 months
7.00% - 12.00%
1.00% - 4.00%
  • PLL has personally met with this company
  • Deals with cannabis
  • Deals with construction projects
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Easy Street Capital

Direct Lender for Residential Flips and Rentals

$75,000 - $2,000,000
6 to 12 months
9.90% - 12.90%
1.50% - 3.00%
  • PLL has personally met with this company
  • Deals with construction projects
  • Residential properties only
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Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$75,000 - $2,000,000
12 to 360 months
  • PLL has personally met with this company
  • Deserves recognition
  • Residential properties only
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First Bridge Lending

Direct Lender for California Real Estate Investors | No Appraisal Required

$100,000 - $10,000,000
6 to 24 months
8.75% - 11.49%
1.00% - 2.00%
  • PLL has personally met with this company
  • Deserves recognition
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Karpe Real Estate Center

Private Lending for Central California Real Estate - Bakersfield, Fresno, Central Valley, Sacramento | Est. 1926

$30,000 - $5,000,000
6 to 60 months
9.50% - 12.00%
2.00% - 6.00%
  • Deserves recognition
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Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
6.99% - 9.99%
1.00% - 2.00%
  • PLL has personally met with this company
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Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
  • PLL has personally met with this company
  • Deserves recognition
  • Deals with construction projects
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About Private Money Lending in California

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: 7.99% to 13%
    • Most California private lenders charge 9%-10% interest as of December 2022
  • 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

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