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
Apply Online in Minutes
Applying for a Ventura hard money loan has never been easier. Our streamlined online application process takes just a few minutes, putting you one step closer to securing the funding you need.
Fast Pre-Approval
Most borrowers receive pre-approval within 5 to 10 minutes after a brief consultation call with our experts. This quick and hassle-free process ensures you can confidently move forward, knowing where you stand.
Swift Fund Transfer
Once the terms of your Ventura hard money loan are finalized—no matter how complex—they are agreed upon swiftly. In most cases, funds can be transferred to your account in less than a week, helping you capitalize on opportunities without delay.
Crescent Lenders is based in Los Angeles and provides hard money loans in California for residential and commercial investment properties.
Our decade of experience and extensive knowledge of Ventura hard money loans make us the ideal lender to fund your real estate project.
We offer borrowers competitive interest rates, minimal fees, and fantastic customer service.
With flexible lending criteria and having more money than deals, we can give borrowers quick financing to take advantage of attractive real estate opportunities.
We aim to give customers a personalized lending experience, whereby we create a long-lasting professional relationship.
Obtaining a Ventura hard money loan using Crescent Lenders is significantly easier and faster than being approved for a regular bank loan.
Numerous determining factors are involved in our underwriting process; however, none are more critical than the real estate's loan-to-value ratio (LTV), which is used as collateral.
The higher the amount of equity a borrower has in a property, the more attractive it is for us as the lender to want to fund the deal.
Typically, the lower the LTV, the lower the risk for the Ventura hard money lender.
As lenders, our objective is to figure out:
Other less important factors in our underwriting process include a borrower's creditworthiness, employment history, and income.
While these secondary factors are considered, they will not make or break the funding for your deal.
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.
Crescent Lenders is not your typical California private money lender.
We have relationships with various Ventura County real estate professionals, including general contractors, attorneys, and property appraisers.
Our network is yours, and our goal is to create a winning scenario for both Crescent Lenders and the borrower.
Ideally, we can create a long-lasting working relationship.
Regardless of whether you want a cash-out loan for your retail property in Newbury Park or want a fix-and-flip loan for a single-family home in Thousand Oaks, or need an inheritance loan for a multi-family apartment complex in Oak Park — whatever your situation, Crescent Lenders can solve your Ventura County hard money loan problems.
Ventura County, located along the southern California coast between Los Angeles and Santa Barbara, is a vibrant region with approximately one million residents.
Known for its natural beauty and welcoming atmosphere, it offers a unique blend of urban amenities and rural charm.
The sprawling Los Padres National Forest covers a significant portion of Ventura County and offers endless opportunities for outdoor recreation, including hiking, camping, and wildlife observation.
Beyond the forested areas, much of the remaining land is dedicated to agriculture. Fertile fields produce many crops, such as strawberries, citrus, and avocados, making the county a hub for California's farm-to-table movement.
The county’s Mediterranean climate—characterized by mild, wet winters and warm, dry summers—contributes to its appeal. Ventura County also boasts pristine beaches, charming coastal towns, and a robust education system with highly-rated schools, making it an ideal place to raise a family.
Whether you're drawn to its natural landscapes, outdoor adventures, or the close-knit community feel, Ventura County offers something for everyone.
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.