Rates as Low as 9.75%
75% LTV
Trusted 5-Star Rating on Google
Anywhere in California
Direct Lender, Not a Broker
$200K to $2M
No Upfront Fees
Self-Employed or Foreign National
Pre-Approval in Hours, Funding Within Days
We are a trusted and experienced hard money lender in Los Angeles. We have access to a local network of the city’s best contractors, appraisers, lawyers, and title companies.
We do everything we can to contribute to our borrower’s success.
Whether you need a fix-and-flip loan in Malibu, a probate loan for an inherited property in Beverly Hills, or funds to refinance an apartment complex in The Pacific Palisades, we enjoy working with all types of borrowers seeking private money loans in and around Los Angeles.
With over 10 million residents and the third-largest real estate market in the world, LA is notorious for knowledgeable real estate investors with deep pockets, creating fierce competition.
Multiple offers on a property are common. A Los Angeles hard money loan can make your bid stand out, differentiating you from competitors using traditional bank loans, which can take up to 30 days and often fall through.
We are a direct private money lender (not a broker) based in Los Angeles, California.
Over the last 10 years, we've funded hundreds of millions of dollars in private money loans across California, and our experienced team has large cash reserves, making us the ideal lender for your residential or commercial real estate needs.
Our competitive rates, low fees, and superior service distinguish Crescent Lenders from the pack as the premier hard money lender in Los Angeles.
But don’t take our word for it; see what our clients say about us below.
Apply online today regarding your Los Angeles private money loan scenario.
We pride ourselves on having the best customer service in the industry. You can expect to speak with one of our team members immediately, and you can receive same-day pre-approval.
Crescent Lenders is a direct, local Los Angeles private lender (not a broker). We manage our own funds, which allows us to finance your deal in 5 to 7 days.
Crescent Lenders provides residential and commercial hard money loans in Los Angeles and across California.
We fund all types of private money loans, including:
Qualifying for a private money loan with Crescent Lenders is significantly easier than getting a traditional bank loan.
Our primary concern is the value of the collateral property and the loan-to-value ratio—we are not heavily focused on a borrower's credit score or employment history.
I’m a commercial real estate broker and do some fix n flipping on the side here in SoCal. I’ve used a few different HMLs in the past but have created a good relationship with these guys and have repeatedly used them and will continue to do so going forward.
Since 2011, our CEO and chief underwriter, Mario Padilla, has funded hundreds of millions of dollars in hard money loans (most of which are in the Los Angeles area).
In the last three years, he has funded over $100 million in bridge loans. With this increase in demand, he has grown a team of experts in multiple domains committed to making the private money borrowing process simple and efficient.
Being agile in the marketplace is a significant upside of using hard money, as it allows borrowers to capitalize on deals quicker than competitors.
Time is of the essence, so we act urgently to deliver your funding as quickly as possible. We can often fund deals in as little as 5 to 7 days if necessary.
Two members of our team were born and raised in Los Angeles, giving us an advantage in understanding the various real estate "micro markets" within LA County.
We also understand all the local laws and bureaucracy that inevitably accompany real estate ownership. This allows us to provide fast, accurate answers when navigating these complex realities.
At Crescent Lenders, we exclusively fund private money loans in California for real estate investment projects.
Specializing in one loan type and geographical region allows us to move quickly because we deeply understand the regional market.
We are a small, agile company with little overhead, no politics, and no bureaucracy.
We fund all types of hard money real estate investments, including fix-and-flips, 1031 Exchanges, Refinancing, Purchases, and Construction. Our broad range of experience prepares us to service your unique funding needs.
Other hard money lenders can charge up to 15%, starting at 9.75%. Our rates are very competitive and fair for the County of Los Angeles, which is a significant reason our business has substantially grown in recent years.
Members of our team actively give back to the local community. For example, our CEO, Mario Padilla, is actively involved with various non-profit organizations and charities in Los Angeles.
His charitable contributions focus on low-income families and higher education for disadvantaged children and young adults through Charter and Private High Schools.
From start to finish, the approval process can take as little as 5 to 7 business days.
Rates are determined by:
We will do your analysis from recently sold comparable properties and have an appraiser visit the property.
The approval process involves a brief call with Russ to collect general background information regarding your financing needs and history.
After this pre-approval phone call, your information will be verified through our underwriting process.
Once verified, we will send you a term sheet. If you accept, you will receive the funds in your account.
While credit score is a factor, bad credit is not a deal breaker, as many factors are considered:
Crescent Lenders does not fund land, ground-up construction, or owner-occupied projects.