Save Financial is California's top-rated private money lender. Asset-based approval in 24 hours — no W-2s, no tax returns, no delays. Serving real estate investors statewide with 45+ years of combined experience.
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The Answer You're Looking For
A hard money loan is a short-term, asset-based loan secured by real estate. Unlike traditional bank loans, approval is based primarily on the value of the property — not your credit score, tax returns, or employment history. That makes it fast, flexible, and accessible.
At Save Financial, we provide California hard money loans for fix-and-flip projects, bridge financing, new construction, and commercial acquisitions. Our borrowers get funded in days, not weeks — which matters enormously in a competitive California market where the best investment deals don't wait for a 45-day bank process.
Hard money loan terms typically run 6 to 24 months with interest-only payments and a balloon at maturity. Current 2025 rates in California range from 9.99% to 14% depending on property type, LTV, and borrower profile. Every loan requires a clear exit strategy — sale, refinance, or rebridge.
Save Financial is fully licensed in California under DRE License #01875766 · NMLS #377740 — a regulated, trusted institution with offices in Newport Beach and Marina del Rey, and 4.9 stars on Google, Yelp, and Zillow.
Why Save Financial
We cut through the red tape of traditional lending. Here's what sets Save Financial apart from every other hard money lender in California.
Turnaround as quick as 24 hours for business-purpose hard money loans. We move at the speed your deals require.
No W-2s, tax returns, or pay stubs required. We lend on assets and property value — not paperwork.
Low or no credit history? No problem. We evaluate the LTV ratio and the asset — not just your credit score.
Up to 75% LTV/LTC on most programs — and up to 90% in specific circumstances. More leverage means more deals done.
Current 2025 Pricing
Our standard California hard money loan rate tiers. Actual rates vary by property, LTV, borrower, and location. Contact us for a personalized quote.
Our Simple Process
Discover how Save Financial's easy real estate and hard money loan process gets you from application to funded faster than any bank.
Our simple online loan application takes less than 10 minutes. Give us a call to get answers right away.
Same DayYou'll receive a written offer within 24 hours of submitting your application — with clear terms in plain language.
24 HoursOur funding process is lightning fast — days, not the usual weeks other lenders take. Funds go out your preferred way.
Days, Not WeeksMake interest-only monthly payments via mail, phone, or direct deposit. Terms clearly spelled out in your agreement.
Easy Monthly PaymentsAll Loan Programs
Fast and flexible financing for your California real estate investment projects — residential, commercial, and everything in between.
Purchase and rehab financing for residential investors. We fund acquisition plus up to 100% of renovation costs within ARV limits. Ideal for 1–4 unit properties across California's hottest markets.
Short-term capital to bridge the gap between purchase and permanent financing. Perfect for preventing foreclosure, stabilizing assets, or closing fast on time-sensitive California deals.
Ground-up financing for spec homes, ADUs, and infill development. Funds disbursed via milestone draw schedule from lot acquisition through vertical construction in California.
Asset-based loans for multifamily (5+ units), mixed-use, office, retail, and industrial properties. Underwritten on property value and NOI — not personal income statements.
Side-by-Side Comparison
Understand exactly when a Save Financial hard money loan outperforms a traditional bank loan for your California real estate investment.
| Factor | Hard Money — Save Financial | Conventional Bank Loan |
|---|---|---|
| Approval Speed | ✓ 24–72 hours | 2–6 weeks |
| Time to Fund | ✓ Days, not weeks | 30–60 days |
| Income Verification | ✓ Stated income — not required | W-2s & tax returns required |
| Credit Score | ✓ Flexible — bad credit OK | 680+ typically required |
| Approval Basis | ✓ Property value (LTV/ARV) | Borrower income & credit |
| Distressed Properties | ✓ Yes — we lend on them | ✗ Usually ineligible |
| Fix & Flip Financing | ✓ Yes — rehab included | ✗ Not available |
| Self-Employed Borrowers | ✓ No complex doc issues | ✗ Extensive documentation required |
| Interest Rate (2025) | 9.99%–14% (interest only) | 6.5%–8% (investment property) |
| Loan Term | 6–36 months (short-term) | 15–30 years |
| Best For | Investors needing speed & flexibility | Owner-occupants with strong W-2 income |
California Market Context
California is one of the most competitive real estate markets in the world. Hard money financing gives investors the edge to close fast and win deals that conventional borrowers simply can't.
Real estate investors who need to close fast on a discounted off-market deal before a bank can even schedule an appraisal.
Fix-and-flip operators who need purchase plus renovation capital, then repay after a successful resale — typically within 6–12 months.
Self-employed borrowers with strong assets and great deals but income profiles that banks can't underwrite from a tax return.
Developers & builders needing ground-up capital for ADUs, infill lots, or small multifamily projects throughout California.
Borrowers preventing foreclosure who need emergency bridge financing to stabilize a property and arrange permanent financing.
Every hard money loan requires a clear, realistic exit strategy. At Save Financial, we accept three:
1. Sale of the property — Buy, renovate, and sell at a profit before the loan matures. Supported by California comparable sales data in your market.
2. Refinance to permanent financing — Once stabilized, transition to a DSCR loan, conventional mortgage, or commercial product.
3. Rebridge with another loan — If more time is needed, we can often extend or rebridge while permanent financing is arranged.
We also consider loan extensions in most cases — giving borrowers extra runway if California market conditions shift unexpectedly.
What Our Clients Say
Google · Yelp · Zillow — California borrowers and investors trust Save Financial. Here's why they keep coming back.
"Mike and team are awesome! The rate was great, escrow costs low and they closed my refinance ahead of schedule. Mike is at a very high level of providing the best financial deal and service. Would definitely use Save Financial again."
"I honestly don't know how Mike did it — he got me an amazing rate I couldn't find anywhere else, and I really shopped around. He explained every cost and option simply. I felt I could trust him completely."
"Ali is the best. I've been in real estate for 31 years and worked with many lenders — Ali stands above all of them. Quick responses, delivered as promised, fantastic rate. I highly recommend Save Financial."
Service Area
We fund hard money loans across all major California markets. If your deal is in California, Save Financial can fund it.
Frequently Asked Questions
Straight answers to the questions California real estate investors ask us every single day about hard money loans.
Our team responds within one business hour. Get a no-obligation hard money loan rate quote — available 24/7.
Fill out this quick form to receive a personalized loan rate in just 24 hours.