Local: 949.830.3151

Toll Free: 1.800.315.0043

0 Five Star
0 Years
$ 0 Million

Just answer the simple questions below.

Property Type?




Independent Lending offers hard money loans for bad credit in California. Don't let your credit get in the way of your loan approval. Contact us today!

  • Specialize in Poor & Fair Credit

  • Home Equity Required

  • We Never Ask for Upfront Fees

  • Fast Cash

  • Direct Lender

Independent Lending

Independent Lending specializes in bad credit loan financing for California real estate. With over 40 years of combined mortgage lending experience we focus on working with investors, current property owners and first-time real estate buyers. Independent Lending has an A+ rating with the BBB and is an approved Zillow 5 Star lender. We take pride in our customer service regardless of credit score or income.

Contact us today to get started on your mortgage financing goals.


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

Introduction to Hard Money Loans for Bad Credit

Whether you have had a few accounts go to collections, recently filed for bankruptcy, or have simply fallen behind on your monthly mortgage payments, California hard money loans for bad credit can be the answer you need to help get your finances back on track.

Bad credit hard money lenders understand that credit score isn’t the end all be all when making a credit approval decision. While traditional lenders may quickly deny you for a new mortgage loan because your 
FICO score doesn’t meet certain minimum requirements as the result of bad credit, hard money lenders understand that there are other important criteria to consider when qualifying you for financing.

Thousands of people across the country have had blemishes to their credit history. For instance, over 400,000 people filed for 
bankruptcy in 2021. Similarly, around 28% of Americans have had a debt go to collections at some point.

Just because you have bad credit doesn’t mean you cannot get a new loan. Independent Lending is California’s premier private money lender that has worked diligently to approve hard money loans for bad credit borrowers since 2013.

Here is your deep dive into California hard money loans for bad credit that can help get you approved for a new loan and achieve financial freedom. 

What are Hard Money Loans for Bad Credit

When most people need to purchase a new home, buy a car, or start a new business, they get a loan from a traditional lender like a bank or credit union. However, institutional lenders such as these have strict lending requirements that borrowers must meet in order to qualify for financing.

If you have had past credit issues, it can be hard to get a loan from a traditional lender. Hard money loans for bad credit are a better option because they offer more liberal qualifying criteria making it possible for you to obtain financing even if you have a poor credit history.

Hard money loans for bad credit are issued by private money lenders, who are typically individuals, trusts or investment companies. Private money lenders focus more on the collateral used to secure your hard money loan (such as real estate) and don’t usually have to conform to the same regulations as a conforming mortgage would.

Need A Bad Credit Hard Money Loan?

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

Residential Bad Credit Hard Money Loans

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

Commercial Bad Credit Hard Money Loans

Reasons to Work with Bad Credit Hard Money Lenders

There are several reasons to work with a California bad credit hard money lender. The biggest reason is that there are usually no minimum credit score requirements factored into the approval of your credit request.

Less emphasis on your credit history means more flexibility, which is important especially when you are working with a smaller pool of 
lenders that are willing to provide you with a loan, especially on a tight deadline to secure financing.

Another reason to work with a preferred bad credit hard money lender is that they offer faster approvals and closing times. Independent Lending can provide same day approvals with no upfront fees to borrowers with both poor or excellent credit. Loans can be funded in as little as a few days.

Don’t let your deal fall through due to a failure to meet specified financing contingencies. Using a bad credit hard money loan from Independent Lending can ensure you close on time, every time.

Additionally, the application and underwriting processes to qualify for a bad credit hard money loan is simple and straightforward. In fact, having a less rigorous approval process is one reason Independent Lending can close deals at records speeds.

It also means that you don’t have to worry about whether you will be able to qualify for a new hard money loan with bad credit. Independent Lending will qualify you based on several other factors so that you don’t have to worry about blemishes on your credit report.

Bad Credit Hard Money Lender Requirements

While a lot of lenders may have a cumbersome application process, only for you to eventually be declined for a loan due to having bad credit, hard money lenders have a simplified application process with few underwriting requirements for you to be approved for a new hard money loan.

Down Payment / Equity

Bad credit hard money lenders focus less on your credit history and more on the value of the real estate or assets being used as collateral to secure the new loan.

In most cases, bad credit hard money lenders will allow you to borrow up to 65% of the fair market value of the asset. An appraisal may be required to verify the asset’s value. Also, some lenders may have more restrictive or liberal loan-to-value (
LTV) requirements depending on your specific loan scenario.

Subject Property

The subject property must be in a desirable location for the hard money lender. Every hard money lender has their own unique desire for a location within the specific state that they lend in. The subject property must either be in good condition or there needs to be a game plan for upgrading the property in the near future, preferably with a portion of the funds from the new loan. If you have a unique property situation, contact Independent Lending to discuss your goals and mortgage strategy.

Common Sense

When qualifying for hard money loans for bad credit, your hard money lender understands that a credit decision shouldn’t be based solely on a person’s individual credit score. There could be other aspects to your financial situation worth considering that could warrant approving a new loan.

Nevertheless, each credit request needs to make sense. Independent Lending maintains a common-sense approach to hard money lending factoring in multiple data points to make sure we make the best credit decision possible. Also understand that your interest rate may be slightly higher than one from a 
traditional lender to compensate for any enhanced risk.

Property equity, condition and location all come into play when underwriting a hard money loan. We use a common sense approach so credit scores and income are not weighted as heavily in the decision making process.

Hard Money Loans for Bad Credit Highlights

(State Specific)

How to Use a California Hard Money Loan for Bad Credit

Much like traditional loans, hard money loans for bad credit can have a variety of purposes. For example, many California real estate investors like to use hard money loans for bad credit to purchase new investment properties.

In some cases, hard money loans for bad credit can also be a great option for fix-and-flip business models where you acquire a low-cost property, fix it (or renovate it), then sell it for a profit.

Hard money loans for bad credit can also be a great option for business owners looking to inject 
capital into their business. Some properties may not be permitted through conventional financing programs and a poor credit history could damage your ability to become approved. Hard money loans for bad credit are the perfect alternative for these types of unique scenarios.


Hard money loans for bad credit are a great option for those that have the compensating factors to be eligible for new financing but have had slight setbacks to their credit history.

Independent Lending is a preferred hard money lender for bad credit that can approve you for a new loan regardless of past credit issues. Offering quick approvals and less strict underwriting requirements, getting approved for a hard money loan with bad credit should be a breeze.

With over 40 years of combined mortgage lending experience and many satisfied clients, Independent Lending is the reliable source of hard money loans for bad credit that every borrower should know about.

How We Can Help

Real World Scenario

Independent Lending funded a $137,000 cash out 2nd mortgage for a detached single family residence located in Benicia, CA. The appraisal value came in at $926,000 on this investment property and the loan was used for upgrades to the rental. The borrower had poor credit however due to the property equity and location, we were able to complete the loan in 2.5 weeks.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say


Frequently asked questions About Hard Money Bad Credit loans

Typically a credit score under 600 is considered bad or poor credit. Most conventional lenders require a >600 credit score, however under 660 credit will make the approval much more difficult due to added conventional overlay guidelines. 

With hard money lending, we can overcome a bankruptcy with compensating factors such as property location and equity position. Underwriting may ask for a Letter of Explanation for the reason behind the bankruptcy. Each loan scenario is case by case and we would be happy do discuss your situation in a private conversation.

Yes, we have helped countless borrowers who were turned down by other lenders. If you have the equity required, all it takes is a quick conversation to learn about your goals and we can let you know if we can help.

Need A Bad Credit 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.

Related Articles

Scroll to Top