California Bridge Loan Lenders

Looking for California bridge loan lenders? This page features direct lenders offering short-term financing solutions designed to help investors and property owners quickly bridge gaps between transactions.

Bridge loans are commonly used for acquisitions, refinance transitions, value-add renovations, time-sensitive closings, and situations where traditional financing is too slow or restrictive. Approval is often based primarily on the property’s value, exit strategy, and overall deal strength rather than strict income documentation.

Most bridge loans rely on available equity in the property, typically allowing up to 70% to 75% loan-to-value (LTV) depending on the asset type, borrower experience, and market conditions.

Compare Lenders in California

Great for Local Los Angeles Hard Money Loans

Crescent Lenders

LTV	75%
Rate	8.75% to 11.00%
Term	3 to 12 months
Amount	$200k to $3.5m

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Why We Picked This

Crescent Lenders offers fast bridge and hard money financing, often funding loans within days. They focus on investment and commercial properties with flexible, asset-based terms and minimal credit requirements.

Funds

California Major Metros
Up to 70% LTV
Junior Liens up to 65% CLTV
25% to 30% Cash Required for Purchase

Does Not Fund

100% Financing without Additional Collateral
Consumer Purpose Loans
Ground-up Construction

Term Length

3 to 12 months

Origination Fee

1 to 2 points

Time to Close

3 to 10 days

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Great for Entrepreneurs, Investors and Developers

Stonecrest Financial

LTV	65%
Rate	10.49% to 12.99%
Term	6 to 11 months
Amount	$250k to $500k

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Why We Picked This

They provide bridge loans, private lines of credit, and refinancing options that fund in days and allow borrowers to secure capital when traditional banks can’t. Loan amounts range from $100,000 to $5M (up to $10M on select deals) with flexible terms and minimal qualification requirements, including no minimum income or credit score on many loans.

Funds

Properties in California
1st and 2nd Mortgages
Up to 65% LTV for 1st Lien
Up to 60% CLTV for 2nd Lien

Does Not Fund

Loans Under $500K
Land Loans
Rehab Funding
Construction Funding
Consumer-Purpose Loans

Term Length

6 to 11 months

Origination Fee

1.5 to 3 points

Time to Close

5 to 15 days

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Great for California Bridge Loans

SDC Capital

LTV	70%
Rate	8.99% to 9.99%
Term	6 to 24 months
Amount	$250k to $5m

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Why We Picked This

They are a direct private lender in California offering residential and commercial bridge loans with funding in as few as 7 days, featuring flexible terms like no-appraisal options, interest-only payments, and cross collateralization.

Funds

Lending in California Major Metros
1st Lien or 2nd Lien Bridges
100% Financing Available With Additional Collateral

Does Not Fund

Hotels, Gas Stations, Restaurants, Single Tenant Retail, Assisted Living Facilities
Construction Project Less Than 75% Completed
100% Financing Without Additional Collateral
Rural Areas

Term Length

6 to 24 months

Origination Fee

0 to 2 points

Time to Close

3 to 10 days

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Great for Fix-and-Flip and Rehab Investors in the West

ARCH Bridge Loans

LTV	80%
Rate	9.50%
Term	6 to 24 months
Amount	$150k to $5m

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Why We Picked This

Arch Loans delivers fast private funding for real estate investors, with closings in as little as 7 to 10 days and quick approvals thanks to their self-funded model and deep industry experience. They offer specialized products like fix-and-flip/rehab loans, bridge financing, ground-up construction, buy-and-hold, and transactional funding for residential and small multifamily properties, with flexible terms tailored to experienced borrowers in key Western states.

Funds

Experienced Real Estate Investors
Investment Properties
First Trust Deeds
Up to 100% of Purchase Price

Does Not Fund

Owner-Occupied Homes
Multifamily Properties
Ground-up Construction
2nd Positions
Land

Term Length

6 to 24 months

Origination Fee

1 to 3 points

Time to Close

3 to 10 days

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Best for Non-Owner Occupied SFR

Fidelity Bancorp Funding

LTV	75%
Rate	9.25%
Term	1 to 24 months
Amount	$500k to $20m

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Why We Picked This

FBF Loans provides fast, asset-based bridge and construction financing for residential and commercial investment properties, primarily across California. They offer a "common sense" approach to underwriting with flexible terms, no junk fees, and a focus on certainty of execution, often funding complex deals in as little as 5 to 10 days.

Funds

Investment Properties Nationwide
Purchase, Refi, and Rehab Loans
Loans Above $500K

Does Not Fund

Land
Ground-up Construction
Consumer Purpose Loans
100% Financing

Term Length

1 to 24 months

Origination Fee

1 to 2 points

Time to Close

3 to 14 days

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Great for Junior Liens

Residential First Capital

LTV	65%
Rate	7.50% to 11.00%
Term	6 to 60 months
Amount	$25k to $3m

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Why We Picked This

They specialize in creative private money solutions for residential and commercial properties, offering rapid funding with minimal credit requirements and the unique ability to fund junior lien positions. With a focus on responsiveness and execution, they provide bridge and rental financing with flexible terms tailored to each borrower's specific exit strategy.

Funds

Fix and Flip and Fix and Rent Investment Property Loans
Properties in California and Washington
Short-Term Bridge Financing for Property Purchases, Renovations, or Refinances

Does Not Fund

Unsecured Consumer Loans With No Real Estate Collateral
Long-Term Conventional Mortgages Typical of Retail Banks

Term Length

6 to 60 months

Origination Fee

1 to 2 points

Time to Close

4 to 10 days

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