Call Independent Lending 949.830.3151
Are you on the lookout for Santa Barbara hard money lenders? How about asset-based real estate financing or private money lenders? Look no further because Independent Lending specializes in alternative mortgage loans. Our success since starting our business in 2013 is primarily due to exceptional customer service, offering a variety of lending programs, and the ability to act fast. Since opening our doors we’ve funded over $500 million in loans. With our experience and connections in the industry we can surely help you reach your property investment goals!
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40 Years Combined Mortgage Experience
Zillow 5-Star Approved Direct Lender
Poor - Excellent Credit
A+ Rating with BBB
No Upfront Fees
YOUR TRUSTED SANTA BARBARA HARD MONEY SPECIALIST
We are known as one of the most reliable Santa Barbara hard money lenders, especially in a time crunch. Our team has 40 years of experience working with property investors, developers, and buyers who count on us for quick cash. Of all the hard money lenders in Santa Barbara, CA, Independent Lending is by far the best at being able to meet clients’ needs. We are the leader in specialty lending, provide outstanding customer service, and will do everything in our power to help you achieve your property ownership dreams. Please contact us today.
SANTA BARBARA
Santa Barbara, California, is often referred to as the “American Riviera” due to its coastal location, gorgeous beaches, vibrant nightlife, Mediterranean architecture, and cultural vibe. Situated between the Pacific Ocean and the Santa Ynez Mountain Range, the city offers spectacular views, along with an upscale yet laid-back lifestyle. The Santa Barbara Zoo stands out as the main attraction for families with all their animal exhibits. The Santa Barbara Museum of Art has a massive collection of not only local but also international artworks on display. Residents and visitors also enjoy the exhibits and gardens of the Old Mission Santa Barbara, an example of California’s history. This is a wonderful place to raise a family. So, if you’re thinking of buying property here, it’s good to know that Independent Lending offers buyers Santa Barbara hard money loans.
Santa Barbara Residential 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
Santa Barbara Commercial Hard Money Loans
- Borrow up to 60% Loan to Value
- Direct Lender and Brokerage
- Rates as low as 7.99%
- Quick and Easy Application Process
- Ultra Fast Closing Time
SANTA BARBARA HARD MONEY PROPERTY TYPES
We have loan programs for most types of Santa Barbara, CA, real estate: single-family homes, condos, townhouses, duplexes, triplexes, and other types of multi-family residences. Our commercial division helps clients who want to buy commercial properties, such as office buildings, retail centers, industrial buildings, or other types of specialty buildings, like medical facilities, and more. Contact us to see if we can help finance your next property purchase.
Santa Barbara Hard Money Program 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
- Commercial
- 1st, 2nd & 3rd Mortgage
- Low Rates & Fees
- No Seasoning Requirements
- Foreign Nationals Allowed
- LLC & Corps Allowed
SANTA BARBARA HARD MONEY LOANS
If you are interested in obtaining a Santa Barbara hard money loan, Independent Lending has one matching your needs. Our loan approvals depend on the equity and location of the Santa Barbara property. You can decide whether to hold the title personally in your name or in a corporation, trust, or LLC. We’ll handle all the details and paperwork. Our programs vary depending on our clients’ needs and circumstances. We have bad credit loans, trust loans, probate loans, investment property loans, and more. Independent Lending is the most versatile of all Santa Barbara hard money lenders, so you can count on us. Please call today.
About Our Mortgage Lending and Service
What Our Clients Have To Say
Recently Funded Hard Money Loans
SANTA BARBARA HARD MONEY LOANS—FAQS
Looking for a trusted Santa Barbara hard money lender that can help you close quickly and invest with confidence? Independent Lending specializes in hard money loans, private real estate funding, and short-term investment financing for borrowers throughout Santa Barbara and the Central Coast. Whether you’re a real estate investor pursuing a fix-and-flip opportunity or a property owner seeking flexible funding outside traditional banks, our asset-based lending approach prioritizes speed, transparency, and customized loan solutions. Below are answers to the most common questions about Santa Barbara hard money loans and how Independent Lending can help fund your next real estate project.
A: Each month, the interest is added to your loan balance. You only repay the loan when you sell the house or when the loan becomes due (such as after you pass away).
A: A hard money loan is an asset-based loan that is approved based on real estate value, rather than credit score and income documentation. These loans are commonly used by real estate investors or property buyers for fix-and-flip projects, bridge financing, and time-sensitive purchases, and at Independent Lending, Santa Barbara, hard money loans are designed to provide fast approvals, flexible terms, and quick closings when traditional lenders move too slowly.
A: Independent Lending offers same-day approvals, with funding in as little as a week depending largely on title conditions and the timing at which the appraisal report is received. In some cases, timelines may vary, though the average hard money loan closes within approximately 15 business days. Because these loans are asset-based, they require less paperwork, fewer documents, and minimal income verification than banks, and this allows borrowers to close quickly before opportunities are lost.
A: Santa Barbara hard money loans often include flexible loan terms ranging from 6 to 24 months, with interest rates commonly between 9% and 13%. Borrowers usually need 20–30% equity, and approval focuses on property value. Independent Lending structures each loan to support short-term investment strategies, resale, or refinance plans.
A: Yes. Independent Lending works with borrowers who may have bad credit, limited credit, or non-traditional income. Because Santa Barbara hard money loans are based on property equity, approval depends more on the deal and exit strategy than personal financial history. This makes hard money loans a strong option for self-employed borrowers, investors, and property owners who don’t qualify through banks.
A: Independent Lending is a trusted and experienced Santa Barbara hard money lender known for fast approvals, flexible terms, and transparent lending. Our team understands the Santa Barbara real estate market and works directly with borrowers to structure custom loan solutions. Whether you’re flipping, purchasing, or refinancing, we help you close with confidence, move forward quickly, and access capital efficiently.
READY TO GET STARTED?
Ready to move forward with fast, flexible real estate financing? Independent Lending is proud to serve Santa Barbara investors and property owners with hard money loans, bridge financing, and private lending solutions tailored to your needs. Contact our team today at (949) 830-3151, or you can call toll-free at 1 (800) 315-0043 to discuss your project, request a quote, and start the approval process. Otherwise, you can complete our Contact Form, and we will get back to you promptly. Discover why Independent Lending is the go-to Santa Barbara hard money lender for smart, confident real estate investors who value speed, clarity, and results.
WHERE WE LEND IN SANTA BARBARA
Serving Santa Barbara County, Independent Lending provides hard money loans, private real estate financing, and bridge funding solutions to investors and property owners in Santa Barbara, Goleta, Carpinteria, Montecito, and nearby Central Coast communities. Whether you’re purchasing, renovating, or refinancing an investment property, our local expertise and fast approval process make Independent Lending a trusted choice for hard money lending in Santa Barbara and surrounding areas.
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.