California Hard Money Lender
Access fast, dependable real estate financing across California with Crebrid. We provide same-day approvals, interest-only payments, and closings in as little as 3–5 business days, so you can move efficiently from acquisition to renovation. Whether you’re flipping in Los Angeles, building in San Diego, or refinancing in Sacramento, our lending platform gives investors the speed and transparency they need to stay competitive. Backed by institutional capital, we make hard money lending in California simple, secure, and built for results.
Residential Transition & Hard Money Lending in California
Crebrid delivers tailored hard money loans across California, designed to help investors act on opportunities without the delays of traditional financing. From fix-and-flip projects in San Francisco to bridge loans in Riverside, we fund deals with clarity, flexibility, and precision. Our digital-first approach streamlines every step, letting investors focus on deals, not paperwork.
Crebrid’s asset-based lending model focuses on the property’s value rather than your income or credit history. This means you can unlock capital faster and with fewer restrictions, giving you the leverage to move confidently in California’s fast-paced real estate markets.
What is a Hard Money Loan?
A hard money loan from Crebrid is a short-term, asset-backed financing option that allows you to use the property’s value as collateral instead of relying on personal financials. These loans are perfect for real estate investors who need capital quickly to acquire, renovate, or reposition properties. We offer competitive rates and flexible repayment terms that allow you to scale your investment strategy efficiently. With Crebrid, you get financing that moves at the pace of opportunity.
Cities We Serve in California
Crebrid provides reliable, transparent funding across the Golden State, from coastal metros to inland markets:
Loan Options
Explore a full range of flexible, short-term financing solutions built for California investors:
Fund your purchase and renovation with ARV-based structures built for speed and profitability. Perfect for competitive markets like Los Angeles, San Francisco, and San Diego.
Learn MoreSecure short-term capital while arranging permanent financing or repositioning assets. Our bridge loans help you close confidently on properties across California’s most active markets.
Learn MoreBuild from the ground up with flexible funding for residential projects in California’s fastest-growing metros. These loans cover both land and construction costs to keep your development moving.
Learn MoreUnlock equity or shift short-term debt into new terms that better align with your investment goals. Our refinance loans offer flexibility to keep your portfolio moving forward.
Learn MoreHow Our Process Works in California
At Crebrid, we structure fix-and-flip loans based on After-Repaired Value (ARV), financing up to 90% of total project costs. Our lending platform combines technology and experienced underwriting to deliver clear, timely funding decisions. From approval through final draw, we remove obstacles and maintain full visibility so your project never loses momentum.
Our digital platform simplifies the entire lending process. Upload your property information, purchase price, and rehab budget, all in one place. No complicated back-and-forth, no lost time. Just a direct path to approval and funding.
With institutional funding and a deep understanding of California’s real estate market, we bring both strength and precision to your deal. From local zoning nuances to regional market timing, our team understands what it takes to get your loan closed under any conditions.
Choose your leverage, term, and fee structure to fit your project’s goals. Every cost is disclosed upfront—rates, points, fees, draw schedules, and timing—so you always know exactly what to expect before you commit.
From Los Angeles to San Jose, we coordinate smooth attorney closings, fast inspections, and same-day draw decisions whenever possible. You’ll always know where your deal stands and who’s managing your loan.
Real estate loans built for California investors, designed to close quickly, fund consistently, and deliver institutional-grade reliability without unnecessary complexity.
They Hit Submit. We Did the Rest.
Submit Your California Deal Today
California Real Estate Market Insights
High prices with modest statewide growth and sharp submarket dispersion reward disciplined underwriting and careful metro selection:
- Statewide pulse: California’s September 2025 median price was $883,640, up 1.8% YoY, while sales “rebounded modestly,” according to the state trade group. For investors, that means pricing is firming but not running away, so underwriting should assume selective concessions rather than broad discounts; see the California Association of REALTORS September report for the full read.
- LA market read: In Los Angeles, homes took a median 56 days to sell in August with a 98.71% sale-to-list ratio, signaling near-ask outcomes on well-priced product. That favors clean scopes and sharp pricing for flips while supporting stable buy-and-hold exits.
- Buyer funnel & inventory: Statewide median listing price sits near $975K with deep for-sale/rental inventory, a reminder that list vs. sale dynamics vary widely by county. Use this California overview to compare price-cut and inventory patterns before choosing a submarket.
Explore More States Across the Country
Crebrid provides hard money loans to clients across the USA.
Additional Resources
The Undead Project: When Your Flip Becomes a Ghost Story
10.23.2025
How to Scale from One Flip to Multiple Properties Successfully
08.25.2025
Using Data to Forecast Market Trends and Time Your Flip
08.25.2025California Real Estate Investing FAQs
Navigating hard money lending in California is simple with Crebrid. Whether you’re flipping in Los Angeles or building in Sacramento, our process is designed for clarity and speed. Here are answers to common questions about how our California loans work and what to expect from start to close.
Crebrid’s rates in California are deal-specific and based on the property’s value, location, and leverage. Because we fund primarily on asset value—not borrower income or credit—we’re able to price competitively while still delivering flexibility. Our goal is to keep rates aligned with market performance so California investors can focus on maximizing ROI, not managing loan costs.