CHICO HARD MONEY LENDERS
Independent Lending is among the top ranked Chico hard money lenders. We started in Mortgage Lending in early 2013, and $500 Million in fundings later.. we haven’t looked back! Call us today for a no credit pull conversation on how can assist!
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40 Years Mortgage Lending Experience
Zillow 5-Star Approved Direct Lender
Poor - Excellent Credit
A+ Rating with BBB
No Upfront Fees
Independent Lending
Independent Lending has been among the most reliable Chico hard money lenders for many years. We are able to offer advanced and custom home lending programs that suit the needs of investors, current homeowners and new buyers. Our hard money loans come without excessive junk fees. Feel free to get in touch with us for more details on our hard money loans in Chico.
CHICO
Chico is a lively city situated in Northern California, renowned for its heritage and natural charm. The city is home to 100K residents and covers an area of 34 sq. miles. Chico is known for Bidwell Park, which is one of the biggest city parks in the country. If you head downtown, you’ll find plenty of small local shops, galleries, and restaurants. Other noteworthy attractions include the Sierra Nevada Brewing Company, the Gateway Science Museum, and the Chico Air Museum.
What Sets Us apart
Trust
Testimonials-
130 Zillow 5 Star Reviews
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5 Star Google Reviews
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A+ Rating with BBB
Experience
Loans Funded-
40 Years Mortgage Lending
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Poor - Excellent Credit
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Several Programs
Service
Average Days to Fund-
No Upfront Fees Ever!
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Same Day Approval
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Direct Lender
CHICO HARD MONEY PROPERTY TYPES
Independent Lending provides hard money loans in Chico for all types of property–from single-family houses to condos, apartments, town homes, and industrial units.
CHICO HARD MONEY PROGRAM HIGHLIGHTS
- Cash Out Now!
- Pay off Existing Hard Money Loan
- Funds to Expand Current Business
- Primary & Investment Property
- No Income or Credit Score Requirements
- SFR
- Condo
- Townhome
- Multi-Family
- Multi-Use
- 1st, 2nd & 3rd Mortgage
- Low Rates & Fees
- No Seasoning Requirements
- Foreign Nationals - OK
- LLC & Corps - OK
CHICO HARD MONEY LOANS
When you are seeking a Chico hard money loan, the rules and terms are different from regular loan programs offered by a bank or credit institution. As Chico hard money lenders, our company adopts more lenient, asset based processes and faster approval times without the hassle and stress of ordinary mortgage loans. We are proud to be among the top hard money lenders in Chico California.
Recently Funded Butte County Hard Money Loan

Real World Scenario
This client was looking for Chico private money lenders and was introduced to us after being denied many times in the past by other banks and lenders. We were able to fund a 25% LTV 1st mortgage with a 3 year maturity date and 6 month guaranteed interest. The funds were used to expand their mechanic business.
About Our Mortgage Lending and Service




Read What Our Borrowers Have To Say
Contact Independent Lending
Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.