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Independent Lending is the leading Sacramento 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 has been a trusted Sacramento hard money lender since 2013, using a variety of hard money, private money as well as specialized lending programs. Founded in lovely Aliso Viejo, CA, Independent Lending has funded over $500 million in mortgage funding while providing stellar customer service and quick funding for fast money. We deal with investors, new buyers and current homeowners supplying progressive and flexible home loan financing programs. Independent Lending’s Sacramento home loan rates are affordable, and we have no junk fees. We are licensed in Arizona, California, Florida and Texas, and are a direct lender for every one of your hard money mortgage demands. Contact Us for info on one of our Sacramento loan programs.


Sacramento, the capital of California is in the northern part of the state where the American River and Sacramento River cross, within the Central Valley. Nestled between the Bay Area and Lake Tahoe, 90 miles northeast of San Francisco and 350 miles north of Los Angeles, you’ll find a very culturally diverse community. An eclectic city known by many names, including City of Trees, The Camellia Capital, the Big Tomato, The River City, Sac, or Sac town, the City of Sacramento has been dubbed as the most “hipster city” and fastest growing in California. With a population of over 518,000 and 97.92 square miles, the city of Sacramento is the sixth-largest city in California and the ninth-largest capital in the United States. With over 35,000 businesses, the State of California and Kaiser Permanente are some of the largest employers located in the area. Offering some of the nicest weather in the nation with its Mediterranean climate, it is described as having very hot, dry summers and cool winters with a decent amount of rainfall. Average temperatures range from 47.3 °F in December to 75.9 °F in July. A city regarded as agriculturally rich and historically vibrant, offering countless attractions such as the California State Railroad Museum, Crocker Art Museum, and California State Capitol Museum.

Sacramento Residential Hard Money Loans

Sacramento Commercial Hard Money Loans


When starting a traditional home mortgage loan, Sacramento hard money loan providers do not have to follow the very same rules and guidelines that the majority of institutional banks and credit unions must follow. This frees Sacramento hard money lenders, enabling more structured procedures and quicker approval outcomes.

Independent Lending can qualify customers for hard money loans in Sacramento, CA without the requirement to examine your individual earnings or take a deep dive into your credit rating. Rather, Independent Lending will put more focus on the worth of the underlying subject real estate associated with your specific situation.

Whether you need a 
bad credit home equity loan, cash out refinance, bridge loan, or require financing for an unique residential or industrial residential or commercial property type, Independent Lending is your go-to hard money lender offered to assist.

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Sacramento Hard Money Program Highlights

Independent Lending Locations


Best identified for the Grand Canyon and cacti, people young and old flock to the Grand Canyon State for its gorgeous vistas and varied landscape. Arizona delivers both a prolific history and incredible climate. It’s still growing!

For over 20 years David and his company have helped lots of customers with private money loans. We aim to be among the leading Arizona hard money lenders and we understand what it takes to get your loan done rapidly and effectively!

Hard Money Lenders California

From the vibrant sandy beaches to the beautiful wine nation, Independent Lending understands the ins and outs of the California housing and home loan sector, enabling us to drive good results by incorporating with any home loan funding technique.

Independent Lending is headquartered in Aliso Viejo, CA and aims to be among the finest California hard money lenders.


If the tropical breezes and gorgeous beaches are calling your name, Independent Lending can help. Whether you are aiming to purchase a short-term rental or merely call the Sunshine state home, Independent Lending is one or your premier Florida hard money lenders!

Utilizing a skillful, consumer-centric technique, getting a hard money loan from Independent Lending is both simple and fast! Whether you require a home equity loan for bad credit or have outstanding credit, we have programs that will help fulfill your particular funding requirements.

Texas hard money lenders

When in Texas, you go large, or you go home! Independent Lending executes huge with its thorough array of private money loans that can cover any residential, industrial, and service purpose. We are one of the very best Houston hard money lenders among the rest of entire state of Texas.

While Texas might be the Lonestar state, Independent Lending provides first-class service with an
A+ score with the BBB and a long history of assisting Texas hard money customers navigate which home mortgage programs best match their requirements. We maintain the worth of trust, experience, and service throughout all aspects as one of the leading Texas hard money lenders.

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Independent Lending Recently Funded Loans

Need a Sacramento 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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