Borrowers
Need a fast, flexible loan?
We arrange loans based on equity, not paperwork. Single-family, multi-family, land, construction, and commercial properties considered. 1st, 2nd, and junior lien positions available.
Apply NowCalifornia Private Lending · Est. 2007 · CA DRE #01835370
Hard money loans.
Approved in 24 hours.
Private real estate lending arranged for California property owners, buyers, and developers. Rates from 8.99%. Equity-based approvals, no income verification required.
-
$750M+Loans Arranged
-
24 hrsAvg. Approval
-
18+ yrsIn Private Lending
-
8.99%Rates From
How it works
Funding made simple.
Three steps from application to funded deal.
-
Step 1
Apply online
Complete our short application. Tell us about the property and your equity position. No income docs required for most loans.
5 min form -
Step 2
Get approved
Our team reviews your application and issues a term sheet, typically within 24 hours of receiving a complete file.
24-hr turnaround -
Step 3
Close & fund
Sign your loan documents, complete escrow, and receive your funds. We move fast so you don’t miss the deal.
Funds disbursed
Who we serve
Who we work with.
Investors
Earn secured, high-yield returns.
Invest in California real estate notes yielding 8.99% to 12%. Whole and fractional positions available. Your capital secured by deeds of trust in 1st, 2nd, and junior positions.
View OpportunitiesReferring Brokers
Partner with us. Earn more.
Submit deals, track your pipeline, and earn competitive referral fees. Fast turnaround means your clients close, and come back.
Broker PortalLoan programs
What we arrange.
We arrange loans across California on a wide range of property types and scenarios.
Purchase
Single-family · Multi-family · Condo · Land
Refinance / Cash-out
Bridge loans · Equity extraction · Payoff existing hard money
Construction
Ground-up · Entitlement · Tract development
Commercial
Industrial · Mixed-use · Apartment buildings
Loan parameters
- Loan amounts
- $100K to $5M+
- LTV
- Up to 65%
- Rates
- 8.99% to 12%
- Terms
- 6 to 24 months
- Points
- 2 to 4
- Lien position
- 1st, 2nd, junior
- Properties
- CA only
LTV varies by lien position and total encumbrance.
Proof
Recent transactions.
A sample of deals we’ve closed. Full portfolio available in the investor portal.
Funded
8.99%
20% LTV
Malibu, CA
Single-family residential
$500,000
1st TD
Closed in 9 days
Funded
10.5%
55% CLTV
Chula Vista, CA
Luxury residential
$100,000
1st TD
Closed in 14 days
Funded
9.25%
45% LTV
Montebello, CA
Coastal residential
$477,000
1st TD
Closed in 12 days
Rate & payment estimator
Estimate your loan.
Get an indicative rate in seconds. No credit check, no obligation.
Trust & credentials
Licensed, experienced, and local.
Equity Funding Source has been arranging private real estate loans in California since 2007. As a California-licensed loan arranger working with a network of private investors, family trusts, and family offices, we deliver faster decisions and a single point of contact from application through funding. We arrange loans in 1st, 2nd, and junior lien positions.
Ready to move on your deal?
Applications reviewed within 24 hours. No commitment required.