California Private Lending
Real estate loans funded in days, not months.
Hard money, DSCR, and stated-income loans across California. We qualify the property, not your paperwork.
$500M+
Funded since 2015
2,000+
Loans closed
48 hrs
Typical approval
95%
Repeat & referral clients
Loan Programs
Four ways to get funded.
Whatever your situation, one of these programs will fit. Not sure which? We'll point you to the right one on a quick call.
How It Works
From application to funding in four steps.
01
Apply Online
Tell us about the property. Takes about 5 minutes.
02
Get Approved
Real answer from a real underwriter in 24–48 hours.
03
Docs & Appraisal
We order the appraisal and prepare your documents.
04
Get Funded
Money wired at closing, often within days.
REAL RESULTS
Trusted by California borrowers and investors.
“Hillcrest closed my hard money loan in 5 days. Their speed and professionalism were unmatched. I've since funded three more projects with them.”
Michael R.
Real Estate Investor
“As a self-employed borrower, getting a conventional loan was a nightmare. Hillcrest's bank statement program made it simple. I closed on my dream home in under 30 days.”
Sarah K.
Self-Employed Business Owner
“We were nervous about trust deed investing, but the Hillcrest team walked us through every step. We've been earning consistent monthly returns for over a year now.”
David & Lisa T.
First-Time Investors
* Names abbreviated for privacy. Testimonials represent individual experiences and are not guarantees of future results.
COMMON QUESTIONS
Frequently Asked Questions
We offer hard money, stated income (bank statement), DSCR, conventional, and specialty programs including construction, fix & flip, bridge, and equity cash-out loans ranging from $50K to $10M.
Hard money loans can close in as little as 48 hours. Stated income and DSCR loans typically close within 2–4 weeks. Conventional loans follow standard timelines.
Hard money loans have no credit minimum — they're equity-based. Stated income requires 620+, DSCR requires 660+, and conventional requires 620+.
Investors fund individual loans secured by a first mortgage on the property (first-lien trust deeds). Returns of 10%+ are earned through monthly interest payments. Hillcrest handles all servicing.
Your investment is secured by real estate. In case of default, Hillcrest initiates collections and, if necessary, foreclosure proceedings. Investors have first-priority claim on the property.
Still have questions?
Browse our full help center or talk to our team directly.
Get in Touch
Let's Talk About Your Goals
Whether you're looking for financing or want to start investing, we're here to help.