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Independent Lending is one of the top hard money lenders in Los Angeles. 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 specializes in difficult and unique lending scenarios. We are a Five-Star hard money lender in business for since 2013, helping Los Angeles borrowers get the financing they deserve. We work with investors, current homeowners and first-time buyers offering fast and flexible mortgage lending programs.

Contact us today to get your hard money loan funded.


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

Hard Money Lenders - Los Angeles

Property owners and real estate investors in need of capital to buy new Los Angeles real estate have begun to turn to hard money lenders. Los Angeles real estate is in the spotlight as being a lucrative area for real estate investment.

Borrowers are starting to realize the numerous benefits hard money lenders can provide to help fuel any real estate investing strategy. Much like spotting your favorite movie star on 
Hollywood Boulevard, hard money lenders will leave you star struck by their ability to provide fast and flexible financing solutions.

But that’s not the only reason to use a hard money lender. There are actually several reasons why you might want to use a hard money loan in Los Angeles for your next real estate deal.


Why Use a Hard Money Lender for Los Angeles Real Estate

Choosing a hard money lender to finance your Los Angeles real estate property is a smart move for a variety of reasons. Simplifying having a hard money lender in your toolkit can make you a more competitive buyer. You might also want to leverage a hard money lender when market conditions begin to shift.

It’s important to leverage current market trends and recently, real estate investors have noticed a downtick in LA home prices. Using a hard money loan to capitalize on opportunities to acquire new properties at lower price points can boost your return on investment.

Similarly, using a hard money loan, Los Angeles investors can act fast to leverage new rental market trends. For example, rent prices have climbed alongside 
inflation over recent years making rental real estate investing strategies the perfect way to build wealth.

Hard money lenders also offer borrowers other competitive advantages that you might not get if you utilized a traditional mortgage lender.

For example, Independent Lending is one of Los Angeles’s top hard money lenders that has helped thousands of borrowers just like you get approved for real estate loans without stringent credit history or personal income requirements.

If you talk to most financial experts, they will tell you that it’s harder to get approved for a traditional mortgage loan if you are self-employed, work as a freelancer or independent contractor, or receive other forms of non-traditional income.

Over 13% of all workers in Los Angeles are self-employed, which may not be entirely inclusive for those that run cash-only businesses. Hard money loans might be the perfect answer for you if you are self-employed, want to get approved for a new mortgage loan, and want to avoid the scrutiny and red tape involved with traditional mortgage programs.


Need a Los Angeles Hard Money Loan?

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RESIDENTIAL Los Angeles Hard Money Loans

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

Commercial Los Angeles Hard Money Loans

Ways to Use a Hard Money Loan in Los Angeles

There are several ways to use a hard money loan. Los Angeles property owners have found hard money loans to be extremely versatile, serving both traditional and specialty financing needs.

Independent Lending is proud to be one of Los Angeles’s preferred private money lenders, with over 40 years of experience structuring hard money mortgage solutions for Los Angeles borrowers. If you need fast and flexible financing, here is how Independent Lending can help.


Residential and Commercial Hard Money Purchase Loans

Whether you are looking to purchase a new residential or commercial property you can use a hard money loan. Los Angeles borrowers can use hard money purchase loans to buy all sorts of property types that institutional lenders would steer clear from.

Independent Lending offers hard money financing for most property types, including those prohibited by other lenders. If your Los Angeles real estate strategy involves purchasing a new single family residence with an accessory-dwelling unit (ADU), apartment building, warehouse, or even a strip mall, Independent Lending can probably finance it.

Fix-and-Flip or Rehab Loans

Some real estate investing strategies carry too much risk for traditional lenders. Fix and flip business models have generated a bad stigma over the years by risk averse institutions such as banks and credit unions, especially during turbulent market conditions.

Nevertheless, fix and flip strategies can be extremely lucrative when implemented properly. However, fix and flip strategies can be extremely capital intense, which is why short term hard money loans are the perfect financing solution.

Unlike other short-sided lenders, Independent Lending understands the advantage of acquiring Los Angeles properties at low price points, improving them, and selling them for a large profit.

Independent Lending offers 
short term hard money rehab loans to provide you with fast funding to aggressively pursue new business opportunities and improve short term liquidity.

Bridge Loans

Have you ever wanted to purchase a new Los Angeles property but you are stuck waiting for your current property to sell? Don’t lose out on the opportunity to purchase the perfect Los Angeles property for your lifestyle.

Independent Lending offers residential bridge loans to Los Angeles borrowers who need a short term loan to leverage the equity in a property already owned in order to purchase a new property.

Bridge loans work for both primary residences or residential investment properties, making it an extremely flexible hard money loan. Los Angeles who use bridge financing are also more competitive buyers because they have fewer contingencies compared to other prospective buyers.

DSCR Loans

Debt service coverage ratio (DSCR) allows you to qualify for financing solely on a property’s cash flow potential, meaning you don’t have to demonstrate any personal repayment capability or dig up pesky tax returns, paystubs, or W-2s.

While reserves and other guidelines may be required, qualifying for a new hard money loan to purchase Los Angeles real estate has never been easier with Independent Lending’s DSCR loan programs.

Probate, Estate, and Trust Loans

Having to deal with the passing of a loved one is never easy. Working through the legal minutiae of handling their affairs can make the grieving process even more difficult.

If you have real estate assets held in an estate or trust, leveraging those assets with a hard money loan can offer short term financing to help pay for outstanding obligations or settle estate disputes, making the process much more manageable.

Independent Lending also recommends using a hard money loan when dividing ownership in an estate or trust, or to strategically prevent a property tax reassessment.

Cash Out Refinance Loans

Leveraging the available equity in your Los Angeles property through a hard money cash out refinance loan can be a tactful way to purchase additional real estate or invest in other profitable business ventures.

Independent Lending can help you identify the best way to structure your next refinance to synergize with your mortgage strategy.

Los Angeles Hard Money Loan Highlights

Using a Los Angeles Hard Money Loan from Independent Lending

Often referred to as the home to the rich and famous, Los Angeles isn’t just for movie stars, TV personalities, and musical artists. Los Angeles is an ever-growing metropolis that’s only second in size nationwide behind rival New York City.

If you want to be like one of nearly 4 million people that live in Los Angeles, using a Los Angeles hard money loan program can help finance your next real estate opportunity.

While there are many Los Angeles hard money loan programs to choose from, most borrowers prefer working with Independent Lending for our habit of fast and flexible solutions backed by a mortgage strategy specifically tailored to meet your financial objectives.

As the Los Angeles continu
es to expand, experts predict it will add another 3.5 million people by 2050, making the perfect place to live or invest. Give Independent Lending a call today.

How We Can Help

Los Angeles home refinanced successfully using an asset-based lending program from a local hard money lender.

Real World Scenario

Independent Lending closed on a $480,000 Hard Money Loan for an investment property in Los Angeles, California. The loan was secured by a 3-unit residence with an appraised value coming in at $800,000. The borrower requested the funds to upgrade the subject property. We were able to fund in their trust and the new loan was completed within 3 weeks. Income and credit scores were not involved in part of the underwriting approval process.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need A Los Angeles 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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