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California’s Leading Direct Hard Money Lender

Stratton Equities is the leading direct private and hard money lender with the largest library of hard money loan programs in the state of California.

If you are ready to purchase an investment property in California and are looking for financing, working with an experienced mortgage lender like Stratton Equities is a great solution for your real estate investment goals. 


Our library of California hard money loan programs for investment properties are structured to meet a borrower’s funding needs based on your loan scenario. 

Are there California Hard Money Lenders Near Me? Here is our Hard Money Lenders California List:

  • Hard Money Lenders Southern California

  • Hard Money Lenders Northern California

We are one of the premiere hard money lenders for real estate investors in California, we work directly with borrowers to quickly finance their real estate deals and walk them through the loan approval process.

Looking for another state? Find out where we lend nationwide to discover more!

Are you ready to finance your loan scenario? Enter your information into our Mortgage Calculator.​

California’s Leading Direct Hard Money Lender

Stratton Equities knows how important it is to speed up the financing needed for a borrower’s California investment property. We offer Hard Money Loan Programs for California real estate investors for most property types.


As an experienced hard money lender, we specialize in financing solutions not available in the traditional loan approval process that happens when working through conventional funding institutions. 


Where traditional loan processing can take upwards of forty-five days, Stratton Equities can approve your hard money loan and provide you with funds in an average closing time of just 21-35 days. 


Stratton Equities is here to quickly assist you every step of the way. We are the leading Nationwide Direct Hard Money Lender in CA!

What is a California Hard Money Mortgage Lender?

A California Hard Money Mortgage lender can offer a larger library of the different types of hard money loan programs, providing unlimited opportunities for prospective borrowers.

Hard Money Lenders work with mortgage products that are more forgiving of borrowers due to the structure of the loan program. These types of loans are asset-based loans and require no income verification - making it an ideal solution for real estate investors with fluctuating income, and damaged credit, due to their self-employed status.

Borrowers choose Hard Money Mortgage Lenders for their investment properties because conventional financing (Banks) who work with traditional loans have stricter guidelines, lending criteria, and fewer options.

Unlike conventional loan programs with traditional lenders, hard money loans are for California investment properties only and have no income verification regardless of the borrowers’ credit score, experience, and cash flow.

California Hard Money Lending

Our California hard money loan programs are based on the loan to value ratio of an investment property rather than the borrower’s credit score. At Stratton Equities, we have the ability to finance real estate loans for investors who are unable to get traditional financing due to a recent foreclosure, bad credit, or short sale. 

California hard money lending is based on these types of asset based loans, meaning a real estate investor can obtain a hard money loan in California using the value of the investment property as collateral.

This is the perfect solution for a real estate investor with any level of experience, even with a limited credit history or a borrower looking to free up liquidity and scale their business.

Want more information on hard money loans? Check out the Top 3 Reasons to Use Hard Money.

What are the 3 Steps to Processing a Hard Money Loan​?

Harness the Power of Direct Hard Money Loans in California

The Golden State, with its sprawling coastlines and booming urban centers, offers an abundant canvas for real estate investors. Stratton Equities is committed to empowering your California real estate endeavors with our direct hard money loans, meticulously tailored to meet the diverse needs of the state's bustling property landscape.

California Hard Money Lending with ​Stratton Equities funds the following investment properties with hard money loans; single family, multi-family, mixed-use, and commercial.

Asset based hard money loan programs have higher interest rates than those of traditional loans. Hard money lenders typically charge higher interest rates due to the greater risk associated with these loans, and the incredible speed in which they are able to process and fund transactions. 

Stratton Equities has a vast library of competitive hard money loan products with some of the best rates in the mortgage industry, our our hard money loan rates range between 9.99%-10.49%.

These short term (usually 12 months) loans are the perfect opportunity to aid any real estate investor in developing their success.


Working with an experienced Private Lender for California Hard money lending is a very strong tool for borrowers who need to move quickly.

Hard Money Loans California Summary

  • Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Rates Starting at 9.99%

  • $100K – $5M

  • Up to 75% LTV

  • Blanket Loan Options Available

  • Fixed rates/Adjustable

  • 9-24 Month Terms

  • Interest Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

How to Apply for a California Hard Money Loan?

Applying for a Hard Money Loan in California, is a fast and easy process with an experienced Hard Money Lender like Stratton Equities. If you’re a borrower with an investment property in California, reach out to a direct private money or hard money lender to assess your loan scenario.


We can provide a Hard Money Loan in California for the following property types:​


- Single-Family

- Mixed-Use 

- Multi-Family

- Commercial


​The prospective borrower applying for a hard money loan in California, will work directly with a member of our loan officer team to discuss their real estate investment goals and how a Hard Money Loan can help them achieve their goals. Apply today and close in three weeks or less!

Hard Money Lender for California Real Estate Investors

If you’re a California Real Estate Investor, working directly with a Nationwide Hard Money Lender will provide the security, stability, and support needed to take on a high-risk loan.


Stratton Equities has had years of experience in working directly with real estate investors all over the United States to achieve their real estate goals. Direct Private Money and Hard Money Lenders provide loan programs with less underwriting and fewer guidelines that close within 21 - 35 days. 


Stratton Equities is the leading Nationwide Direct Hard Money and NON-QM Lender that specializes in fast and flexible lending processes. The team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help California Real Estate investors succeed.


For more information, call Stratton Equities at 800-962-6613, email us, or apply for loan pre-qualification today.

Found an investment property and interested in applying for a loan?

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