Hard Money
Lenders Sacramento

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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Sacramento’s Selection for Short-Term Loans
Bridging the Gap for Bridge Loans in Sacramento Since 2011
Quick Approval – Rapid Funding – Proven Performance

Sacramento is a city known for its diversity, broad opportunities, and connected communities that form a vibrant metropolis. With its outstanding quality of life, Sacramento’s real estate market gives it an advantage to receive financing for fix-and-flip projects, renovations, and the purchase of properties. Wilshire Quinn Capital is Sacramento’s most trusted hard money lender, providing real estate investors rapid approvals and quick closings. In less than 24 hours, our customers can be pre-qualified for a bridge loan which can be funded in a matter of days, not months like traditional lenders. Our lending services extend nationwide and we offer loan amounts up to $20 million.

Services We Offer

Renovation and Fix-and-Flip Loans:

We understand the need for fix-and-flip investors to have access to dependable capital. We provide the financial flexibility necessary to perform your construction project quickly and efficiently. Our rapid underwriting process accommodates your deadline and delivers you financial assurance within a matter of days.

California hard money lender

Looking for a Hard Money Lenders in Sacramento? Chat with a representative online to discuss your loan or call us at 619-872-6000.

California hard money lender

Looking for a Hard Money Lenders in Sacramento? Chat with a representative online to discuss your loan or call us at 619-872-6000.

Cash-Out Refinance Loans:

At Wilshire Quinn Capital, we boost the potential for our borrowers and provide them valuable opportunities by refinancing their current loans. Borrowers can pull cash out on a variety of investment property types, including but not limited to: single-family residences, multi-family properties, office, retail, industrial, condo properties, medical, and mobile home parks. Regardless of borrower experience or credit, Wilshire Quinn allows you to tap the equity in your property in order for you to achieve your financial goals.

Purchase Loans:

Real estate investors must have a reliable lender when competing against all-cash offers for a an investment property. Wilshire Quinn Capital gives our borrowers the confidence to close quickly on a property when competing against multiple offers. Perhaps your traditional lender is taking too much time to close on the purchase of a new property? Wilshire Quinn allows you the flexibility to close quickly on the purchase of a property without all of the hassle of traditional lenders.

The Leading Hard Money Lender in Sacramento

Since 2011, Wilshire Quinn Capital has served the Sacramento area with hard money loan services. We are a premier hard money lender in Sacramento and strive to give our borrowers the service they require. Wilshire Quinn Capital takes pride in its business associations in the Sacramento area. We aim to assist our borrowers with practical hard money loan solutions that suit their individual needs. Our goal is to surpass your expectations with superior customer service, rapid underwriting, and quick closings.

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Lending Parameters

CLOSING TIME Typically 5 to 7 days
LOAN SIZE $500,000 – $20,000,000
LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 80% of the purchase price
LIEN POSITION First Trust Deeds Only
LOAN TERM 6-18 months
INTEREST RATES 9% – 12%
AMORTIZATION Interest-only payments
ORIGINATION FEES 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term
LENDING AREAS Nationwide, primarily in metropolitan and coastal areas

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: 7.5% to 11%

  • Amortization: Interest-only payments

Recently Funded Hard Money Loans

Slide Hollywood, California Hard Money Bridge Loan Funded LOS ANGELES, CA Loan Amount: $5,075,000 Loan Type: Refinance Property Type: Multi-Family Loan-To-Value: 64% Term: 12 Months San Clemente, California, Hard Money Cash Out Refinance Loan Funded SAN CLEMENTE, CA Loan Amount: $2,580,000 Loan Type: Refinance Property Type: Single-Family Loan-To-Value: 59% Term: 12 Months BERKELEY, CA Loan Amount: $3,575,000 Loan Type: Purchase Property Type: Multi-Family Loan-To-Value: 68% Term: 12 Months Loan Amount: $12,550,000 Hard Money Loan Funded on Two Hotel Properties in Laguna Beach, California LAGUNA BEACH, CA Loan Type: Refinance Property Type: Hospitality Loan-To-Value: 51% Term: 12 Months Loan Amount: $12,550,000

We Work With Brokers

Close loans fast with Wilshire Quinn Capital

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Here’s What Our Borrowers Are Saying

A Proven California Hard Money Lender, Lending Nationwide

Very fast to green light or turndown deal. Very responsive post acceptance of terms. Likes to move fast.
David Blitz
David Blitz
1696017835
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!!
pat murphy
pat murphy
1692538018
The Company is always accommodating and professional. Excellent staff! Very helpful! I would highly recommend this Loan Company to anyone who needs a Title Loan.
Laura Yoon
Laura Yoon
1686341233
Awesome job! Communication with all the team members were amazing. Kind, professional, respectful, and supportive. Fast and smooth process to closing. Amazing. I can’t wait to work with you guys on another deal!
Mike Kim
Mike Kim
1686156219
Great working with Matthew and Jeremy, they made the process easy and closed quickly!
Dane Brasslett
Dane Brasslett
1685647958
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.
Justin Ashcraft
Justin Ashcraft
1678124111
Everything was very smooth. Communication was prompt and clear! The only concern was I felt the appraisals were clearly below FMV. Otherwise, I highly recommend Wilshire Quinn
Michael Copley
Michael Copley
1677770248
It was a pleasure working with the Wilshire Quinn Capital team. The loan process was easy and smooth from start to finish. Clear communication and more importantly, they executed exactly how they set the initial expectation. Wonderful job all the way around.
Garrett
Garrett
1639438249
Chris Garcia and Emily Mesetz were great to work with. They were always quick to respond and had excellent follow-up.
Andrea King
Andrea King
1636673548
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.
Chris Chiari
Chris Chiari
1633713687
I could not be happier with the professionalism and efficiency of Matthew Mielke at Wilshire Quinn Capital. He helped get a unique deal to the finish line. There was clarity and consistency from start to finish.
Trey Sublette
Trey Sublette
1633629446
Matt and Jeremy at Wilshire got the deal done when others turned my client down. Professional, quick and offered great terms for my client. I highly recommend running your next deal by them.
Mathieu Pollenz
Mathieu Pollenz
1625855592
Wilshire Quinn came through when other lenders couldn't. They were extremely responsive and turned everything around very quickly. Loan terms were very reasonable for a short-term bridge loan.
David Marcin
David Marcin
1621645715
i love the way the speed of closing went
elliot moore
elliot moore
1617725866
I love this company! They are fast, easy, but most off all, they fund when they produce a Letter of Intent. Thank you "team close quick'!
Timothy Thomas
Timothy Thomas
1615911861
My experience of dealing with Wilshire Quinn Capital has been nothing short of excellent service and top notch talent . My loan was funded on time
Frank Meram
Frank Meram
1607619839
It was great working with Wilshire Quinn Capital in San Diego. Their team is professional and hardworking. I had a a wonderful experience working with them and would work with them in the future!
Kate Swann
Kate Swann
1607619600
Wilshire Quinn was great to work with, from start to finish everything was seamless! Would highly recommend.
Donald Kaminski
Donald Kaminski
1607562484
We had an excellent time communicating with the principals at Wilshire Quinn and performed as we wished and exceeded all expectations. Chris and his team were professional from the start and we will look forward to doing business with them again.
James E. Levin
James E. Levin
1606958069
Had a client who's successful business was impacted by Covid19...as such, income had been negatively affected, and our normal A-paper borrower was in a pinch to qualify for property purchase.Wilshire Quinn came to the rescue, and helped us close the loan on time and with minimal hassle.Our rep Matt was very helpful; answered and/all questions without hesitation, and never made us feel stupid for asking and clarifying things we didn't understand, or that needed more information.Wilshire Quinn helped us out and I would be happy to recommend their services to a friend in need of hard-money and limited other options.
Jon Engelhardt
Jon Engelhardt
1605131133
Very easy to work with as a mortgage broker. Protects their clients.
Luke R. Johnson
Luke R. Johnson
1604607592
Wilshire Quinn Capital, Inc. is definitely great at their follow-up. Always pro-active trying to get deals done!
Alicia Gandy
Alicia Gandy
1602785909
I was very happy with Wilshire Quinn Capital. The company was a great hard money lender. Communication was clear, responsiveness was quick and the process was very straightforward. They funded my loan quickly and I truly appreciate it.
Elena Vizvary
Elena Vizvary
1600295800
Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%
Bill Janis
Bill Janis
1570139174
Wilshire Quinn has been a lending agency I, We, have utilized for the past 5+ years. The integrity of the entire company is professional, and the process of each phase of the lending is complementary to all parties involved. I highly recommend their services; small or in large lending capacity.
HBGS Treasurer
HBGS Treasurer
1559081435
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.
Wilshire Quinn Capital funded my unique loan in a timely manner and with the upmost of professionalism. Their experience helped guide me through the process.
Nelson Genteel
Nelson Genteel
1557271815
Have been a Broker in CA since 1980 and have enjoyed working with Chris and his staff for many years,
Louis Steinberg
Louis Steinberg
1557249107
Wilshire Quinn gave me a competitive quote and followed up with a quick, hassle-free escrow and closing. I am happy with their service and would recommend them to friends and business associates.
Ron Gerber
Ron Gerber
1556991848
Great hard money lender.
Patrick Wight
Patrick Wight
1556917909
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.
242 Baldwin
242 Baldwin
1556834447
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FAQs – Hard Money Loans

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.

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.

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

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.

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

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 in a matter of minutes, once we have a few simple questions answered, if we have interest.

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).

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.

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