Hard Money Lenders
in California

Finance Your Next Transaction With Wilshire Quinn

A nationwide direct Lender, not a broker
Pre-approval in 24 hours
Typical funding in five to seven days
Loan amounts up to $10 million

Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange

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Wilshire Quinn Capital | Hard Money Lenders in California

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Hard Money Lenders (Home) » Hard Money Lenders in California

Lending Parameters

CLOSING TIME	Typically 5 to 7 days
LOAN SIZE	$200,000 to $20,000,000
LTV	Up to 60% LTV
LIEN POSITION	First Trust Deeds Only
LOAN TERM	3 to 24 months
INTEREST RATES	9% to 12%
AMORTIZATION	Interest-only payments
ORIGINATION FEES	1 to 5 points based on property type, borrower profile, location, and loan size
LENDING AREAS	Nationwide, focused on income-producing NNN properties leased to creditworthy tenants

Property Types

Our Lending Program:

Closing Time: Typically 5 to 7 days
Loan Size: $200,000 to $20,000,000
LTV: Up to 60% and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
Lien Position: First Trust Deeds
Loan Term: 3 to 24 months
Interest Rate: 9% to 12%
Amortization: Interest-only payments

Recently Funded Hard Money Loans

Sacramento, CA

Loan Amount: $950,000
Loan Type: Cash-Out Refinance
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

San Diego, CA

Loan Amount: $2,500,000
Loan Type: Purchase / Rehab
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

San Diego, CA

Loan Amount: $3,625,000
Loan Type: Rehab
Property Type: Assisted Living Facility
Loan-To-Value: 60%
Term: 12 Months

West Hollywood, CA

Loan Amount: $2,200,000
Loan Type: Rehab
Property Type: Commercial Retail
Loan-To-Value: 47%
Term: 24 Months

Advantages of a Hard Money Loan

Whether you are looking to secure financing for a purchase, refinance, or cash-out refinance, here are some advantages to using a bridge loan:

Speed / Closing Time: Qualifying and being approved for a hard money loan is a significantly faster process than applying for a traditional loan through a bank. Wilshire Quinn typically funds hard money loans in 5 to 7 business days.
Credit score not a major factor: Asset based lending means we base our loan amounts on the value of real estate, such as an investment property, multifamily building, or commercial building, rather than strictly on a borrower’s credit score and debt to income levels.
Rehab and non-stabilized property financing Properties that require substantial rehab or that have high vacancy rates often can be difficult for traditional lenders to finance. Bridge lenders such as Wilshire Quinn have the ability to structure deals to allow investors to rehab and stabilize properties.

Looking for a hard money loan in California? Chat with a representative online to discuss your loan or call us at 619-872-6000.

We Work With Brokers

Close loans fast with Wilshire Quinn Capital

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Recently Funded Hard Money Loans

Here’s What Our Borrowers Are Saying

A Proven California Hard Money Lender, Lending Nationwide

Excellent

Wilshire Quinn Capital, Inc

Based on 119 reviews

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Leroy Lutu

Wilshire Quinn Capital is an excellent hard money lender and has helped several of my clients close on mixed-use, multifamily and industrial properties that needed quick bridge financing. If you are an investor or broker needing to source the best, most reliable financing options, Wilshire Quinn Capital is your solution!

Chris Koning

I wanted to take a moment to share my experience with Wilshire Quinn Capital, specifically with Matt Mielke. I had the pleasure of working with him, and I found him to be highly professional and knowledgeable in real estate investing. Matt exceeded my expectations and has consistently been my go-to for any investing needs. I have complete trust in his abilities and would recommend him to my own family and friends, as well as to anyone looking for assistance in this area.

Sarah Wilken

Wilshire Quinn offers competitive rates and have impressive turnaround times. The team is professional, knowledgeable, and dedicated to providing exceptional service. Highly recommend working with them, true professionals!

Sophie Bell

Great experience working with the Wilshire Quinn team. Provided quick feedback and transparent terms. Looking forward to working with them again in the future. Knowledgeable team!

Ryan Rodriguez

Wishire Quinn was essential to closing a deal for my client. Matt Mielke and his team performed seamlessly and I would happily do business with them again.

Ryan Rodriguez, EVP, Colliers International

Alexandra Yellin

Great experience with Jermey and Matt. They offer competitive terms and work efficiently. They are trustworthy which is always important to brokers.

Steve Murillo

I've been a mortgage broker for over 25 years. The team at Wilshire Quinn is a pleasure to work with. They are efficient, friendly and easy to work with. I highly recommend them!

pat murphy

I recently closed the financing of a building in Los Angeles with Wilshire Quinn...in 7 days!!! Mat and Jeremy and the team of professionals there were great to work with.
You folks will always be my first call for future business...Thanks!!

Dominick Ertmann

I worked with many different individuals at Wilshire Quinn Capital, every single person I worked with was on point and up to speed with everything I needed.

I have zero complaints about these Gentlemen, our company will continue to do business with them.

I appreciate all the help from Matt Mielke, Jeremy Hammer, Chris Garcia and Randy Miller! You guys were tremendous!

Justin Ashcraft

Working with Wilshire Quinn was an absolute pleasure from to start to finish. Working as a broker for a client with a vacant building Matt, Chris, and Jeremy were quick to answer all questions, clear in the items they needed and were able to work with us to see a successful completion of the deal. I can’t sing their praises highly enough for the ease at which everything went on what was a tricky deal, and I’m very much looking forward to working with them again in the future. If you’re hesitant for any reason, don’t worry. Wilshire Quinn is a top-notch group filled professional, courteous, and great people.

David Wright

I run a real estate development company focused on multifamily projects. We have used Wilshire Quinn for bridge lending three times now. They are always a pleasure to work with, and can close quickly. The certainty of execution with Wilshire Quinn allows us to move quickly when a great opportunity arises.

Dan Fineman

We just had a great experience working with Wilshire Quinn on a recent transaction. Our team, led by Matt, was professional, communicative, transparent, and fast -- they funded our loan in 5 days, exactly what we needed. They offered very competitive terms, and excellent customer service throughout the process. Highly recommended!

Chris Chiari

Refi for a hotel in a global pandemic, was a unique challenge, Matt and the team at Wiltshire Quinn Capital stepped up. The story of the PattersonInn.com continues.

David Estrada

Jeremy and Matt were on it from day one and were very easy to work with. They worked diligently with us to help our client get the leverage she needed in the very short timeframe she had. My team is looking forward to working with them and Wilshire Quin Capital again very soon!

Allan Chandler

Wilshire Quinn was a great lender to work with. Organized at close and simple servicing, Chris and his team get five stars.

AJ Azara

Phenomenal experience with these guys. Funded and closed quickly. They're our go-to guys in situations where we have to move quickly. Looking forward to future business with them.

Nick Ames

I highly recommend Wilshire Quinn for your bridge loan. They are very trustworthy, creative and deliver on time. In addition they focus not just on the loan but the borrower’s overall needs. My client had a construction rehab loan that was due and he needed not only a new loan but a sale since his global cash flow had been compromised by an ex-partner. Chris Garcia brought in a buyer who was a contractor and provided the loan to close within a two week period. Thank you Chris and Wilshire Quinn.
Nick Ames of San Francisco

peter kockelman

What a wonderful experience working with Wilshire Quinn Capital! We needed a short-term bridge loan to purchase a new home before our prior home was ready to go on the market. It was quick and painless and the loan was funded in ample before we closed in line with what was promised. I would highly recommend this company to others and would not hesitate to use them again should the need arise. Thank you Wilshire Quinn Capital!!!!!

Scott Cooper

Wilshire Quinn Capital stepped in to save the day on a $4,000,000 purchase that fell out from bank underwriting, and executed a super quick close in less than 8 days. Superb performance by their entire team. Will definitely go back to them in the future.

Mark H

Wilshire Quinn is a excellent, fast-closing real estate lender that provides reliable and professional service. They funded our loan submission very quickly and we look forward to doing a lot more business with them.

Rich Dickson

Wilshire Quinn Capital, Inc is a great equity money lender to work with and funded my loan quickly. I highly recommend them if you need investment or working capital fast

Sunny Wofford

I needed to close an loan for an client of mine in a short amount of time. Daniel Goldberg and the team at Wilshire Quinn Capital made the deal happen saving the borrowers property.

I can't thank them enough, I would highly recommend Daniel Goldberg and Wilshire Quinn Capital when you need a quick bridge loan.

RishiRia Barkataki

It was a pleasure to work with Wilshire Quinn Capital, Inc. They are highly professional, knowledgeable, responsive and quick to return calls. I was most impressed with the turnaround and how quickly and conveniently the escrow check was disbursed. This is my second time working with Wilshire Quinn on mortgage financing and have never been disappointed. I will recommend Wilshire Quinn to every person I know who is in need of financing.

Chuck DeHont

I invest in three different real estate loan companies and Wilshire Quinn stands out as professional, honest, and thorough. Highly recommended.

Kip Lee

Wilshire Quinn Capital works for individual investors seeking consistent returns on their capital; as well as investors , builders or homeowners seeking bridge loans to expand their businesses and improve their real estate investments. Always on time and ready, willing and able to serve their customers, Wilshire Quinn prioritizes customer service.
In a nutshell, Wilshire Quinn is a one stop shop for great returns, and most efficient and reliable approach to obtaining a hard money bridge loan. I wouldn't consider going anywhere else.

Matthew Goetz

I have been brokering private money loans for over 25-years and I can say that Wilshire Quinn gives quick answers and has always come through on what they said they would do.

Aaron Aftergood

This is a smart, diligent lender that doesn't mess around. They quickly understand the borrower's needs, and act quickly to help borrower be successful. Contact Wilshire Quinn for complicated transactions that other lenders might move too slowly on. Great customer service and client care .

Kirk Jaffe

I have worked with Wilshire Quinn Captial, Inc. many times over the past 10 years and recommend their services with my highest level of confidence.

There are many private lenders in the market, but very few that work with the level of integrity that Wilshire Quinn does. They get me answers quickly and honor their word. When they say they will get a loan finished, they do.

The entire team is cordial, competent and creative in crafting solutions that make sense for borrowers and investors alike.

I have referred high net worth people to invest with Wilshire Quinn because I know the quality of their management and their underwriting standards. Investors earn what is promised and the risk of loss is mitigated by the sensibility of ownership.

Reach out to Wilshire Quinn Captial Inc for all you private money needs OR if you are an investor looking for higher yielding secure investment opportunities.

242 Baldwin

The Wilshire Quinn team did an excellent job in a short time frame. I feel their rates and ‘products’ are competitive. Where I feel they distance themselves from the competitors is their commitment to customer satisfaction. Every project has challenges and they are dedicated to working with their clients to ensure satisfaction, which is not commonplace in the market these days.

Ted Bonzon

Wilshire Quinn assisted me and saved a real property purchase in record time and with a great loan package saving me thousands. Thank you Matthew and Jeremy!! Great team!!

Andrew Morrow

Wilshire Quinn is our go-to resource for purchase money and construction funding, both large and small. The entire WQ team is outstanding in every respect.

Henry Lee

I needed to refinance one of my properties within a short timeline. I got an LOI from Wilshire Quinn and they were able to fund the loan and close the deal within a week. I've gotten quotes from other companies but they didn't come close to Wilshire Quinn's offer. I highly recommend them.

Deborah Candido

The Wilshire Quinn team facilitated a $475,000 Bridge loan for one of my clients that needed to close quickly. The subject property was a mixed-use building in Hollister, California. I worked with Daniel Goldberg and he really helped with the process. Very quick to respond and get the loan closed. The underwriting and closing process was straightforward and efficient. I would strongly recommend Wilshire Quinn as one of the premier California hard money lenders.

Ron Taylor

The Wilshire Quinn team assisted my client with a $5 million dollar Bridge loan in California that needed to close quickly. The paperwork, processing and closing process was clear, concise, and fast. Rates and terms were appropriate. Bumps in the road were dealt with in a prompt, flexible, and friendly manner. I strongly vouch for Wilshire Quinn as a California hard money lender.

Robert Noble

A couple of years ago Chris Garcia and the team at Wilshire Quinn Capital were introduced to me through a good friend and business partner who has known Chris for many years. WQ has twice since then provided the ideal funding for my projects. They keep it simple. The deal terms, loan docs, appraisals and everything involved in the closing were clear, easy and fast. No headaches. The deals were fair. There have been no fine print surprises. They were prompt, clear in communications, flexible and friendly. They were patient through delays caused by me and others. I would highly recommend Wilshire Quinn to anyone.

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FAQs – Hard Money Loans

What is a hard money loan?

A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.

What if my credit score is low?

Hard money lenders like Wilshire Quinn primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.

How long does the loan process take?

After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.

What type of properties do you lend on?

Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.

What types of loans does Wilshire Quinn originate?

We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions including parking lot loans.

How do I submit a loan request?

You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine whether your parking loan or other real estate deal fits our lending criteria in a matter of minutes.

What is the cost of a hard money loan?

Our interest rates typically range from 9% to 12%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

Where does Wilshire Quinn lend?

Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.