Private or Hard Money Loan
Where Money Meets Opportunity
Private or Hard Money Loans in California
As a trusted hard money and private money lender in California, we specialize in fast, flexible, asset-based financing for real estate investors, developers, and entrepreneurs. Our streamlined process ensures quick approvals and reliable funding, empowering clients to act decisively in competitive markets without the delays of traditional banks.
We offer a wide range of solutions, including 1st and 2nd trust deeds, bridge loans, fix-and-flip financing, cash-out refinances, and construction loans for residential and commercial properties. Serving Los Angeles, Orange County, the Bay Area, San Diego, and beyond, our creative lending programs help clients leverage equity, maximize liquidity, and scale portfolios, all with competitive rates, straightforward terms, and responsive service.
Loan Program Highlights
Smart Capital Fast
Get the funding you need, when you need it – no delays, no hassle.
Interest Only
Lower monthly payments to keep your cash flow strong
Lite Documentation
Skip the paperwork, get approved with minimal documentation
Speed & Ease, No Appraisal
Close quickly without waiting on appraisals or red tape.
Low FICO – Ok
Credit challenges? We look at the deal, not just the score.
Bankruptcy
Past financial setbacks won’t stop you from moving forward.
Collateral Base
We lend based on asset value – not income or credit.
Foreclosure
Turn distressed properties into opportunities with fast funding.
Flexible Terms
Loan structures that adapt to your investment strategy.
Eligible Property Types
Investor 1-4: SFR, Condo, and 2-4 Units
Multi-Family Apartments (5+ Units)
Mixed-Use & Mobile Home Parks
Commercial: Industrial, Self-Storage, and Automotive
Commercial: Office, Retail, Warehouse
Churches, Banquet Halls, Restaurants, Bars, Night Clubs, Motels, and Vacant Land
Benefits of The Loan Program
Unlike traditional lenders, we do not require capital reserves or income documentation to qualify for your loan, nor do we require sourcing of your funds. Our private and hard money lending criteria offer flexibility with customized loan terms designed to meet the needs of real estate investors, house flippers, developers, and self-employed borrowers. With a faster loan approval process and fewer regulations than banks, we help clients close deals quickly and efficiently. Backed by over 30 years of experience in California real estate lending, we provide smart capital solutions that set us apart from other Los Angeles hard money lenders.
Target clientele for this loan program
Our private/hard money loans are particularly suited for individuals seeking short-term financing across California. We work directly with real estate developers, house flippers, landlords, and self-employed borrowers, offering flexible solutions tailored to their unique needs. We also provide financing for LLCs and corporations, making it easier for business entities to access capital quickly. These loans are ideal for borrowers facing challenges such as low credit scores, loan maturity, or foreclosure on investment properties. Whether you’re renovating a property, completing an ADU (Accessory Dwelling Unit), or making tenant improvements, our lending programs are designed to support your investment goals with speed and creativity.
Documents required for the Loan Program Application
1. Sign RGC Capital loan proposal (LOI)
2. Driver’s license & social security card from the borrower
3. Two most recent bank statements
4. Lease(s) if property is being rented
5. Loan application (click here for the business purpose application)
6. Interior and exterior photos
7. Current mortgage statement and insurance – for all properties owned
8. Entity documents (if corporation or LLC )
9. Exit strategy letter
Submit Your Loan Scenario
Frequently Asked Questions (FAQs)
Who are private money loans best for?
Private money loans are ideal for real estate investors, developers, house flippers, landlords, and self-employed borrowers who need short-term financing and may not qualify for traditional bank loans.
How fast can a private money loan close?
Private money loans can close in as little as a few days, depending on the property, documentation, and title status. Because underwriting is asset-based, there are no bank delays or extended approval timelines.
Do private money loans require income verification?
No. Private money loans do not require income documentation, tax returns, or capital reserve verification. Approval is based primarily on the value of the property and the strength of the deal.
Is a low credit score or past bankruptcy okay for a private money loan?
Yes. Borrowers with low credit scores, past bankruptcies, or foreclosure history may still qualify. We focus on the collateral and exit strategy rather than credit history alone.
Are appraisals required for hard money loans?
In many cases, no appraisal is required. This allows closings to happen faster without waiting weeks for traditional valuation reports.
What types of properties qualify for private money loans?
Eligible properties include single-family residences, condos, 2–4 unit properties, multifamily apartments (5+ units), mixed-use properties, mobile home parks, industrial, self-storage, automotive properties, office, retail, warehouse, churches, restaurants, bars, motels, and vacant land.
Can private money loans be used for renovations or ADUs?
Yes. Private money loans can be used for renovations, fix-and-flip projects, ADU construction, tenant improvements, and repositioning distressed properties.
What loan structures are available?
We offer flexible structures including 1st and 2nd trust deeds, bridge loans, fix-and-flip loans, cash-out refinances, and construction financing for both residential and commercial properties.
Are these loans available to LLCs and corporations?
Yes. Private money loans are available to LLCs, corporations, and other business entities, making them ideal for portfolio investors and developers operating through structured entities.
Are private money loans interest-only?
Most private money loans are interest-only, which helps keep monthly payments lower and preserves cash flow during renovations or short-term holding periods.
What documents are required to apply for a private money loan?
Typical requirements include a signed loan proposal (LOI), government-issued ID, two recent bank statements, interior and exterior property photos, current mortgage and insurance statements (if applicable), entity documents for LLCs or corporations, leases if rented, and a written exit strategy.
