Commercial Hard Money Lender Los Angeles
Direct Private Money for Commercial Real Estate Transactions
Securing traditional financing for commercial real estate in Southern California is increasingly difficult. Strict underwriting, rigid debt-service coverage ratios, and month-long bank approval processes can easily cause a lucrative transaction to fall through.
At California Hard Money Direct, we are a premier commercial hard money lender in Los Angeles, providing asset-based loans for investors, corporations, and developers who need to move quickly. Because we operate as a direct lender, we bypass the conventional red tape to deliver quick capital based primarily on the value of your commercial property.
Hard Money Loan Request
If you prefer to email us, fill out the form below and an associate will contact you to review the loan scenario and provide a quote.
When time-sensitive commercial opportunities arise, working directly with the source of capital is critical. Choosing our team gives you access to a streamlined funding process built for the fast-paced Los Angeles market.
- Direct Private Lender: Work directly with decision-makers for fast, transparent loan commitments.
- Fast Closings: Move from application to funded loan in 7 to 14 business days.
- Flexible Borrowing Entities: We easily fund loans for LLCs, Corporations, Partnerships, and Foreign Nationals.
- No Rigid Credit Hurdles: We focus on property equity and exit strategies rather than personal credit scores.
Los Angeles Commercial Hard Money Loan Specifications
| Loan Parameters | Commercial Program Details | |
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LOAN AMOUNTS |
$100,000 up to $20,000,000 |
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LIEN POSITIONS |
First and Second Trust Deeds available |
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LOAN to VALUE (LTV) |
Up to 70% to 75% LTV depending on property type |
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LOAN TERMS |
1 to 5 years with interest-only structures |
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INTEREST RATES |
Competitive fixed rates rates starting at 10% |
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PROPERTY CONDITIONS |
As-is, distressed, and vacant properties are accepted |
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Commercial Property Types We Finance in Los Angeles
When it comes to commercial hard money loans, we look at the big picture. We routinely fund private mortgages for a diverse range of non-owner-occupied commercial properties, including:
- Multi-Family and Apartment Buildings: Quick capital for value-add acquisitions or property stabilization.
- Retail Spaces and Shopping Centers: Funding for strip malls, community retail centers, and urban storefronts.
- Office Buildings: Transitional financing for Class A, B, or C office spaces requiring tenant improvements.
- Industrial and Warehouses: Asset-based loans for distribution centers, manufacturing facilities, and flex spaces.
- Mixed-Use Properties: Efficient financing for urban buildings combining retail and residential units.
When to Use a Commercial Hard Money Loan
Traditional commercial loans take months to close. Real estate professionals leverage private commercial financing for specific strategic scenarios:
1. Fast-Moving Acquisitions
When a seller demands a 10-day close or you are bidding on a property at a commercial auction, conventional banks cannot move fast enough. Our private capital bridges the gap.
2. Repositioning and Transitional Projects
If a commercial building has high vacancy rates or requires major renovations, it will not qualify for an SBA or conventional bank loan. We fund the purchase and stabilization period. Once the property is performing, you can smoothly transition into long-term permanent financing.
3. Cash-Out Refinancing and Working Capital
Unlock the equity sitting in an existing commercial asset. We offer commercial cash-out refinance loans to clear tax liens, buyout partners, or secure capital for your next commercial venture.
The Strategic Advantage of Local Underwriting
We know the nuances of the Los Angeles commercial landscape. Whether your property sits in the heart of Downtown LA, the industrial sectors of Long Beach, or a bustling retail corridor in the San Fernando Valley, our hyper-local market knowledge allows us to evaluate your asset accurately and issue a quote within 24 to 48 hours.
Read What Los Angeles Investors Say About Working with Our Investment Property Lenders
Ramiro Fernandez
I had a fantastic experience working with Judy at California hard money Direct on my recent hard money loan. I was in a tight spot and needed funding quickly to consolidate debt and for a investment property project. Traditional banks weren’t an option. She stepped up and delivered exactly what they promised. From the initial consultation, she was incredibly responsive and transparent. She clearly explained the terms and conditions, outlining all the costs involved upfront. The application process was straightforward and efficient, and they were able to close the loan much faster than I anticipated. I highly recommend them to anyone looking for a reliable and reputable hard money lender. Five stars!
Buzz Shabram
I don’t have a lot of experience purchasing investment properties. So I feel very fortunate to have found Judy. She keep me informed. Always ahead of anything that had to be done, and made the process quick and easy.
She has my highest recommendation and I would look forward to any opportunity to work with her again. Thank you Judy!
Robert Caceres
Judy was wonderful to work with and helped me get funds for an investment in an extremely fast manner. I’ve always had conventional loans and always heard sketchy things about hard money loans….well Judy showed me otherwise. The process was smooth and the numbers she quoted me at the beginning of the process ended up being the same numbers at the end when we closed. I was able to purchase my investment property so for that I am very thankful. I recommend Judy 100%