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
Crescent Lenders is a direct private money lender in California (not a broker).
With over a decade of experience, we have provided hundreds of millions of dollars in private money loans to commercial and residential real estate investors across the Golden State.
We have designed our lending process to prioritize speed and efficiency, ensuring fast approvals and funding for our borrowers.
We strive to provide competitive rates and fees and flexible lending standards that can be tailored to each borrower's unique needs.
Moreover, our team is committed to providing exceptional customer service, guiding our clients throughout the loan process, and addressing any concerns or questions.
As a highly rated provider with 5-star reviews, we offer first—and second-position private money loans in California. These loans can often be funded within 5 to 7 days.
As one of California's leading private money lenders, we offer our clients quick and reliable financing solutions.
Our strong financial backing allows us to provide a straightforward and efficient loan process that prioritizes simplicity and ease of use for our borrowers.
A few benefits of using Crescent Lenders' private money loan to fund your California real estate transaction include:
Whether you're eager to take advantage of a prime opportunity to fix and flip a property in Los Angeles or have your sights set on acquiring an apartment complex in San Diego, our team is ready to provide financing solutions for your real estate investment projects across California.
For over a decade, Crescent Lenders has been a trusted and experienced lender in the private money industry, having funded hundreds of millions of dollars in private money loans across California.
We take pride in offering fast approvals and funding, competitive rates and fees, flexible lending standards, and exceptional customer service to every borrower - regardless of their real estate investment goals or experience level.
Crescent Lenders offers a variety of private money loans in California for all commercial, residential and industrial property types. All of our loans are required to be secured by a hard real estate asset.
A bridge loan is a short-term financing option that helps bridge the gap between purchasing a new property and selling an existing property.
Also known as an inheritance loan, it's a type of loan secured by an estate in probate, where traditional financing may not be available.
Real estate investors commonly use purchase loans to act quickly on a hot property when they don’t have enough capital to make an all-cash offer or don’t qualify for a bank loan.
A cash-out loan is a type of refinancing in which the borrower takes out a new loan for more than the amount owed on the existing loan and receives the difference in cash.
A 1031 Exchange Loan is used to purchase a replacement or like-kind property. It allows you to defer paying any capital gains tax into the future, essentially growing your investment tax-free.
A refinance loan is a new loan used to pay off an existing loan, typically with better terms such as lower interest rates or monthly payments.
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.
The process starts with a brief phone call, text message, or email exchange to understand the borrower's unique situation and how we can help.
Borrowers typically need to provide a few key pieces of information, including:
Since every private money lending situation is unique, there may be additional questions, requirements, or qualifications based on the specific loan product or property type involved in the deal.
As a leading private money lender in California, we can quickly determine if we can fund your project through a brief telephone conversation. Call us at 213-474-7980 or Apply Online.
A hard money loan, also known as a bridge, private, or gap loan, is secured by a "hard asset" like commercial, industrial, or residential real estate.
It is generally a short-term loan (6 to 60 months) issued by private or commercial investors.
A hard money loan has advantages over a traditional bank loan:
Real Estate Investors, such as:
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.
Our maximum loan-to-value ratio is 75%.
Our loans start at $200K and go up to 2 million dollars.
We fund most property types, including:
Residential
Commercial & Retail
Industrial
We fund both First Trust & Second Trust Deeds.
6 to 60 months, (extensions are available)
We do not require any upfront fees but charge 2 to 3 points, depending on the size and term length of the loan, and a $1500 underwriting fee.