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Trusted & Experienced Private Real Estate Lenders.
AT TOP CALIFORNIA LENDER, WE ARE FOCUSED ON PROVIDING RELIABLE CAPITAL TO REAL ESTATE INVESTORS, MORTGAGE BROKERS, AND PRIVATE LENDERS.
Top California Lender is actively seeking funding opportunities. Since we are privately funded we can respond quickly and efficiently to loan requests.
Top California Lender is a provider of private credit to middle-market owners, operators and developers of commercial and residential real estate. As a portfolio lender backed by discretionary capital, we are dedicated to delivering efficient and reliable funding across the capital structure.
Obtain the funding you require — whether for flipping houses, investing in rental properties, or bridging the gap between purchasing and selling a home — through private money loans. As a prominent provider in the sector, Top California Lender focuses on delivering customized financing solutions to enable investors, homeowners, and developers to take advantage of opportunities and achieve their property goals.
Custom Tailored Loan Solutions
We lend to real estate investors looking for competitive rates and a personalized, reliable lending experience.
Experienced Lenders.
Expedited Loans.
Top California Lender is your reliable partner for bridge loan financing, supporting fix-and-flip ventures, acquiring new properties, or embarking on new developments. Learn how our private money loans can assist you.
Top California Lender provides real estate investors with a flexible and efficient process, quick turnaround times, minimal documentation, and unmatched personalized service. We understand the importance of closing fast and on time. Over the past two decades, we have funded more than 357 loans worth over $1.3 billion. And we have never missed a closing date.
Loan Options.
Loan Parameters.
LOAN
STRUCTURE
Fix & Flip.
Bridge Plus.
Hard Money.
Commercial Hard Money.
Residential Bridge Loans.
Multifamily Loans.
Rental Loans.
Rental Property Loans.
Loan Amounts: $1MM - $50MM
Term: 12 - 60 Months.
Interest Rates: Starting at 9.20%
Amortization: Interest only.
Closing Time: 15 to 30 days.
Loan to Value: Up to 90%.
Points: 1 - 5 points.
Lending Territory: All 50 States.
Our Loan Process.
STEP 1.
Complete Application
Get pre-approved today or complete a full application for a specific deal. Documentation can be uploaded to our secure portal.
STEP 2.
Gather Documentation
We will send you a specific list of what you need. Gather your financials, contract, scope of work, and budget.
STEP 3.
Underwrite file
Our underwriting team will review the documentation provided and work with you to close any gaps.
STEP 4.
Close.
Congratulations! You’re done. We coordinate with all parties to coordinate closing. You just need to show up and sign.
We Get It, We Are Investors too!
Fast
Closing
Approval within 24-48 hours, average closing within 7-12
days.
No Prepayment
Penalty
There are no penalties for paying off or partially amortizing the debt at any time.
Low rates, Low payments.
Competitive rates and flexible programs with interest only payment until maturity.
Everyone
Welcome.
Including borrowers with no credit history, new businesses and foreign nationals.
The Top California Lender Experience.
These days, you can outsource a lot of things — partnership isn’t one of them. As a premier private lender, we take the time to learn your business, your projects, and your investment strategies, so we’re uniquely qualified to help you scale your business. That’s why we keep everything in-house.
