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Hard Money Loans in California
Asset-based financing through a network of private investors when speed matters more than bank paperwork.
- Closings possible in 5–10 days
- 6–24 month terms
- Residential & commercial
On select programs, subject to lender approval. Not all applicants will qualify.
Hard money loans for real estate investors. Closings possible in 5–10 days, subject to lender approval.
Blue Fox Capital arranges fast, asset-based hard money loans for real estate investors through a network of private investors. When speed and flexibility matter more than traditional bank requirements, closings in as little as 5–10 days are possible when the property and file support it, subject to lender approval.
Loan Highlights
- LTV: Varies by market, property type, and investor guidelines
- Loan Term: 6–24 months
- Closing Speed: 5–10 days, subject to lender approval
- Valuation: appraisal or lender valuation required on most programs
- Property Types: Residential & Commercial
- Availability: Business-purpose and commercial financing available nationwide through our lender network, subject to lender approval.
- Credit: flexible; minimums vary by lender
Why Choose Hard Money?
Hard money loans are asset-based — meaning underwriting is based on the property value, not your tax returns. This makes them ideal for investors who need to move quickly or have non-traditional financial profiles.
Ideal Use Cases
- Auction Purchases — Close fast enough to meet auction deadlines
- Competitive Markets — Beat out other buyers with speed-of-close advantage
- Bridge Financing — Short-term capital while you arrange permanent financing
- Fix-and-Flip — Acquire and renovate investment properties
- Credit Challenges — Flexible underwriting when banks say no
- Portfolio Expansion — Scale your holdings without W-2 income requirements
Property Types We Finance
- Single-family homes
- Multifamily (2–4 units and 5+ units)
- Commercial properties
- Fix-and-flip projects
- Investment properties
- 2nd trust deeds
Hard Money vs. Traditional Bank Loans
| Feature | Hard Money | Traditional Bank |
|---|---|---|
| Closing Time | 5–10 days, subject to lender approval | 30–60 days |
| Income Docs Required | No | Yes (tax returns, W-2s) |
| Credit Minimum | Varies by lender | 680+ |
| Appraisal | Lender-specific | Required |
| Underwriting Focus | Property value (asset-based) | Borrower income & credit |
| Flexibility | High | Low |
How It Works
- Apply — Submit your deal details online or call us
- Valuation — We review the property and structure your loan
- Lender Review — Fast review; timing depends on the property and file
- Fund — Closings possible in as little as 5–10 days, subject to lender approval
Get Your Hard Money Quote
Ready to move fast on your next deal? Call (310) 756-3619 or request your term sheet — we target a term sheet within 24 hours (not an approval).
← Back to All ProductsGet a Hard Money Loan Quote
Have a deal that needs fast funding? Tell us about your project and a loan advisor will respond within one business day.
Hard Money Loan FAQ
What is a hard money loan?
A hard money loan is an asset-based, short-term loan secured by real estate. Unlike conventional mortgages, approval is based primarily on the property value rather than the borrower’s income or credit history.
How fast can a hard money loan close?
Closings in 5 to 10 business days are possible when the property, title and file support it, subject to lender approval. Complex deals take longer.
What credit score do I need for a hard money loan?
Credit minimums vary by lender. The primary focus is on the property and your equity position rather than your credit profile.
Can I use a hard money loan for a fix-and-flip?
Yes. Fix-and-flip projects are one of the most common uses for hard money financing. Rehab funds can often be included in the loan. See California Fix-and-Flip & Bridge Loans.
Blue Fox Capital Corporation lends on select DSCR, fix-and-flip and construction programs and arranges other financing as a mortgage broker through third-party lenders. Programs, terms and availability vary by loan and are subject to approval. CA DRE 01527288 | NMLS 1840487. Daniel Eckhouse, NMLS 217328 | CA DRE 01977403. The loans described on this page are business-purpose loans secured by non-owner-occupied investment or commercial property. They aren’t available for a home you live in or plan to live in. Program ranges are marketing ranges, not guarantees. They’re subject to change without notice, and to borrower qualification, property eligibility, appraisal and lender approval. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Opportunity. 66350 Pierson Blvd, Suite A, Desert Hot Springs, CA 92240 | (310) 756-3619 | dan@bluefoxcapital.com