Local: 949.830.3151

Toll Free: 1.800.315.0043

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$ 0 Million

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Independent Lending is the premier El Cajon hard money lender. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 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 is your private money lender for El Cajon real estate. With over 40 years of mortgage lending experience, we provide quick funding for fast cash to a wide variety of property owners and real estate investors. Independent Lending offers hard money, private money & specialty lending programs. Our Customer Service is top rated and we welcome you to Contact Us at your convenience for more information about our El Cajon mortgage lending programs.

El Cajon

El Cajon is a city in San Diego County, CA and is located approximately seventeen miles east of downtown San Diego. The box-like shape of the valley that surrounds El Cajon is the reason for it’s name, which means “the box” in Spanish. The city is 14.4 square miles and is bordered by La Mesa, San Diego, Spring Valley and Santee. A few of the local attractions include Sycuan Casino ResortThe Water Conservation Garden and Summers Past Farms.

What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

El Cajon Hard Money Property Types

No matter what type of real estate, Independent Lending covers just about all property types for El Cajon including single family homes, condominiums, town houses, multi-family residences, industrial, mixed-use and land.

Need a El Cajon Hard Money Loan?


El Cajon Hard Money Program Highlights

El Cajon Hard Money Loans

Independent Lending has several loan programs such as bad credit loans, trust loansowner-occupied loans and commercial hard money to name just a few. As a equity based lender, we focus more on the equity of the subject property so very little information is required for an accurate quote. Our team has the experience and knowledge to assist with all El Cajon mortgage lending scenarios and goals.

How We Can Help

Real World Scenario

Independent Lending recently closed on a $165,000 1st trust deed private money loan in El Cajon, California. The appraised value came in at $230,000 for this attached condo. The borrower needed the proceeds to payoff an existing small business loan. This loan closed in just over 2 weeks and equity was the main factor in the approval process.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need a El Cajon Hard Money Loan?


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.

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