Direct Lending For Quick, Hassle-Free Loans

California Hard Money Lenders - Direct LendingI specialize in direct lending, private and hard money lending for real estate investors. Unlike many other private money lenders, we are actively lending money right now; in fact, our company has funded more than 300 hard-money loans in the past two years, making us one of the most successful lenders in California, if not the Western United States. (Do check our recently funded properties here.)

I pride myself on fast and thorough service, and won’t waste your time with weeks of back-and-forth. You will know within hours if I am are interested in your funding request. Once we’ve made the decision to work together, you will get your loan quickly and easily, as Pacific Private Money is a direct lender.

We secure funding for Loans from $100,000 to $20,000,000 with terms from 6 to 36 months.

Lending Geography:

All of California, with specific emphasis on the SF Bay Area, Lake Tahoe, Sacramento County, Ventura County, Santa Barbara County, Los Angeles County, Orange County, and San Diego County. All other California counties on a case by case basis. Outside of California,  I have 2 million dollar minimum loan size requirement. I will lend on purchase or refinance transactions for all types of commercial properties and SFR 1-4 unit non-owner occupied properties. I will also lend on owner occupied SFR properties on an limited case-by case basis. Check list of our lending areas here.

Property types:

Commercial, multifamily/apartment buildings, mixed use, SFR 1-4 units, condos/townhomes,office, industrial, retail, and medical buildings. Special use, land, and construction on a case by case basis. Discounted note payoffs (1 million and up, no bulk), DIP loans, and bankruptcy buyouts on a case by case basis.


Rates from 7-12% with points starting at 1.5-3.5% of the loan amount.

1st, 2nd, and 3rd mortgages (case by case).

  • Loans up to 75% of the purchase price, appraised value, or Broker opinion of value
  • No Minimum Fico scores as we look at credit history.
  • Higher LTV”s on a case by case basis. (PLEASE, NO ARV LOAN REQUESTS on SFR PROPERTIES).


If any of these conditions describe your project, fill out my simple prequalification form and you will hear from me within one business day. I value your business and look forward to working with you!