Local: 949.830.3151

Toll Free: 1.800.315.0043

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Independent Lending is the leading hard money lender in California. With over $500 Million in funding since 2013, leverage our experience 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 the premier, hard money lender in California. With a proven track record for helping borrowers meet their financial objectives, Independent Lending has funded over $500 million in loans since 2013. Independent Lending offers many different hard money, private money and specialty loans for fast cash and a streamlined process. Contact us now to get started on your California mortgage program and be one of our next satisfied clients!


From the white sandy beaches to the curated wine country, Independent Lending knows the ins and outs of the California real estate and mortgage industry, allowing us to drive results by integrating with any mortgage financing strategy.

Whether you’re a first-time homebuyer or a seasoned real estate investor, Independent Lending can create the right mortgage strategy centered around your goals.

Looking to refinance a property with an 
ADU? Want to leverage real estate that’s in a trust? Let us help you with your next residential, commercial, or business purpose loan.

Independent Lending is headquartered in 
Aliso Viejo and strives to be on of the top hard money lenders in Southern California.

Dusk view of a modern home - Achieve your real estate dreams with our trusted Sacramento hard money lender services!

Residential California Hard Money Loans

Evening cityscape of modern homes - Symbolizing Sacramento commercial property success with hard money loans!

Commercial California Hard Money Loans

California Hard Money Property Types

Independent Lending is a California hard money lender that allows for just about all property types such as land, industrial, town houses, single family homes, condominiums, multi-family residences and mixed-use.

Need a California Hard Money Loan?


California Hard Money Loan Highlights

California Hard Money Programs

Independent Lending offer many different lending programs such as hard money 2nds, trust loans, owner-occupied loans and probate loans. Most hard money lenders in Southern California do not offer such a large selection of loan programs combined with a streamlined process for fast cash. We have dozens of specialty, hard money and private lending options.

How We Can Help

Real World Scenario

Independent Lending provided a $110,000 owner occupied asset-based hard money loan for business purpose in Stockton, California. The loan was secured by a single family residence with an appraised value of $595,000. The homeowner was self employed and requested the funds to expand her business. We were able to complete the new business purpose loan within 2 weeks. Income and credit were not a deciding factor in the approval process.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need a California 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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