HARD MONEY LENDER CALIFORNIA
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.
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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 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!
California
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.

Residential California Hard Money Loans
- Borrow up to 65% Loan to Value
- Direct Lender - No Middleman
- Rates as low as 7.99%
- Pre-Approval In Minutes NOT Days
- Ultra Fast Closing Time

Commercial California Hard Money Loans
- Borrow up to 60% Loan to Value
- Direct Lender - No Middleman
- Rates as low as 7.99%
- Pre-Approval In Minutes NOT Days
- Ultra Fast Closing Time
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.
California Hard Money Loan Highlights
- Cash Out Available
- 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 Positions
- Low Rates & Fees
- No Seasoning Requirements
- Foreign Nationals - OK
- LLC & Corps - OK
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
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




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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.
California Locations
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Asset-Based Lending | Bad Credit Loans | Bridge Loans | Cash Out Refinance Loans | Fix and Flip Loans | Hard Money 2nds | Hard Money Purchase Loans | Investment Property Loans | DSCR Loans | Owner-Occupied Loans | Probate & Estate Loans | Trust Loans | Arizona Hard Money Lender | Florida Hard Money Lender | Texas Hard Money Lender