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Independent Lending is a top Salinas 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 provides hard money loan services in Salinas, California. Since 2013, we have offered diverse hard money, private money, and customized lending options. Our company has successfully financed over $500 million in mortgage loan programs, consistently delivering exceptional customer service and prompt funding for urgent cash needs.

We take pride in collaborating with various clients, such as real estate investors, first-time homebuyers, and existing property owners, to create personalized hard money loan packages to meet their specific requirements. Our Salinas hard money loans are distinguished by their total transparency, eliminating any hidden fees.

As a direct hard money lender, Independent Lending serves as your one-stop solution for all
private money home equity mortgage needs. We maintain valid licenses in several states, including Arizona, California, Florida, and Texas, guaranteeing our clients access to our outstanding services across multiple regions.

For further information regarding our hard money lending services and how we can support you in attaining your financial objectives, please feel free to
contact us. Our team of seasoned professionals is enthusiastic about helping you discover the ideal lending solution.


Population: The City of Salinas, California, has an estimated population of approximately 155,564 and is home to a diverse and multicultural community with a rich history and vibrant arts and cultural scene.

Square Miles: Covering approximately 23.3 square miles, Salinas is situated in the heart of the Salinas Valley, in Monterey County. Renowned as the “Salad Bowl of the World,” the city is surrounded by fertile agricultural land, producing lettuce and various other crops.

In California’s central coast region, Salinas is nestled approximately 10 miles east of the Pacific Ocean. Encircled by the Gabilan Mountains and Santa Lucia Range, the city lies in the Salinas Valley. Additionally, Salinas is within convenient driving distance of other popular area destinations like Monterey and Carmel.

Climate: With a mild Mediterranean climate, Salinas experiences cool, moist winters and dry summers. Year-round, the city offers a comfortable living and visiting environment, with average temperatures ranging from 51 °F in January to 63 °F in August. 

Largest Employer:
Taylor Farms

Popular Destinations: The Steinbeck House, the National Steinbeck Center, and the
Monterey Zoo

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

Salinas Residential Hard Money Loans

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

Salinas Commercial Hard Money Loans


At Independent Lending, we provide private money lending for hard money programs in Salinas, offering clear advantages over traditional bank loans. These benefits arise from our ability to operate without the restrictive rules and regulations that banks and credit unions face, allowing us to deliver more favorable loan terms.

By actively promoting flexibility in the loan process, we supply hard money loans with minimal paperwork and fast approval times. Our efficient approach not only streamlines the loan acquisition process, but also guarantees a personalized experience for borrowers.

Furthermore, we design our hard money services to circumvent the stringent requirements of conventional loans. Instead of focusing on an individual’s credit score or income, we prioritize the value of their property. Consequently, our hard money loans appeal to a wide variety of potential borrowers.

In addition, Independent Lending offers customized solutions, such as
bad credit home equity loans, bridge loans, cash-out refinance hard money loans, and exclusive financing opportunities for diverse residential, industrial, and commercial properties. Regardless of your unique circumstances, we provide an extensive range of financing options and valuable expertise, all carefully tailored to meet your specific needs.

Need a Salinas Hard Money Loan?


Salinas Hard Money Program Highlights

Independent Lending Locations

Arizona hard money lenders

At Independent Lending, we acknowledge that conventional financial solutions may not consistently satisfy the needs of every individual. Therefore, we take pride in offering our clients customized hard money loans and private money loan programs designed to address diverse requirements.

Our team of highly-skilled professionals, with over two decades of experience in the field, is here to guide you through the process of exploring alternative financing options. We can help match you with a program that perfectly suits your individual circumstances.

By partnering with Independent Lending, you can access our reliable network of
Arizona hard money lenders, ensuring that we have something for everyone. Embark on your journey to discover the incredible opportunities this beautiful state has in store for you!

Don’t wait—begin your exploration of Arizona’s unique financial offerings with the help of our expert team today!

California Hard Money Lenders

California is a state with breathtaking natural landscapes that are unmatched by any other in the country. From the stunning beaches of San Diego to the towering mountains of Lake Tahoe, there is no shortage of scenic beauty to admire.

This has led to the growth of the real estate market in California, making it an ideal place for real estate investors and borrowers alike. At Independent Lending, we are proud to be based out of Aliso Viejo, California, where we offer our services as California hard money lenders to clients across the region.

As specialists in the field, we have extensive knowledge of California’s housing and hard-money loan markets, allowing us to provide a range of funding options for clients. We understand the importance of reliable and trustworthy home equity loan services in southern California. 

That is why we are dedicated to ensuring that we have your best interests at heart. Our priority is to help you achieve your financial goals by providing you with the necessary resources and guidance to make informed decisions about your investments.

With our expertise and personalized approach, you can rest assured that you will receive the highest level of service and support when working with us.

Florida Hard Money Lenders

Have you considered investing in property near the beautiful beaches of Florida?  Many are drawn to the state’s amazing coastline and vibrant lifestyle. As one of the leading Florida hard money lenders, we offer our clients asset-based lending opportunities regardless of credit history and background.

Investing in Florida has never been easier or more accessible! Our mission is to simplify the process, enabling you to easily identify the ideal loan or financing option for your situation.

No matter if you’re searching for a short-term rental, a home equity loan, or a top-notch loan product featuring favorable terms and conditions, we’re here to assist you. In addition, our services are designed to offer a quick and straightforward method to acquire the financing you need.

Seize this opportunity, get in touch with us today to discover more about how Independent Lending can support you in achieving success in Florida’s thriving real estate market.

Texas hard money lenders

Independent Lending offers private money loans across Texas, catering to residential, commercial, and business endeavors. As a prominent private money lender in the area, we take great pride in providing outstanding service to our valued clients throughout the state.

With our vast expertise, we are well-equipped to guide individuals through the complexities of hard-money loan requirements. 
Boasting an A+ rating from the Better Business Bureau, we firmly believe that proficiency, reliability, and outstanding customer support are the cornerstones of our success.

With the support of Independent Lending, you can be confident in your financial endeavors.
Contact us today to find out more about our hard money private lending services.

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Independent Lending Recently Funded Loans

Need A Salinas 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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