Your Trusted Los Angeles
Hard Money Lender

Wilshire Quinn is a Los Angeles hard money lender, financing real estate investments up to $20 million. We work fast, turning loans around much quicker than traditional lending institutions, because we know time is critical for borrowers looking to invest in Los Angeles’ competitive market.

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 $20 million

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

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Hard Money Lenders (Home) » Los Angeles Hard Money Lender

Lending Parameters

CLOSING TIME Typically 5 to 7 days
LOAN SIZE $200,000 to $20,000,000
LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
LIEN POSITION First Trust Deeds Only
LOAN TERM 3 to 24 months
INTEREST RATES 7.5% to 11.5%
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, with a focus on California

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: 8.5% to 10.5%

  • Amortization: Interest-only payments

Here’s What Our Borrowers Are Saying

A Proven Los Angeles Hard Money Lender, Lending Nationwide

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Recently Funded Hard Money Loans

Los Angeles hard money lender
West Hollywood, CA

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

Los Angeles hard money lender
Mission Viejo, CA

Loan Amount: $490,000
Loan Type:  Cash-Out Refinance
Property Type: Single Family Residence
Loan-To-Value: 60%
Term: 18 Months

Los Angeles hard money lender
Laguna Beach, CA

Loan Amount: $390,000
Loan Type: Cash-Out Refinance
Property Type: Single Family Residence
Loan-To-Value: 11%
Term: 12 Months

Los Angeles hard money lender
San Diego, CA

Loan Amount: $3,650,000
Loan Type:  Rehab
Property Type: Assisted Living Facility
Loan-To-Value: 60%
Term: 12 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 hard money loan:

  1. 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.
  2. 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.
  3. 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. Hard money lenders such as Wilshire Quinn have the ability to structure deals to allow investors to rehab and stabilize properties.
Los Angeles hard money lender

Looking for a Los Angeles hard money lender? Chat with a representative online to discuss your loan or call us at 310-984-6755.

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Working with a
Los Angeles Hard Money Lender

As California’s largest city and the second-most populous city in the United States, Los Angeles has one of the most substantial economies in the nation in a broad range of professional and cultural fields. The city is perhaps best-known as the home of Hollywood, the epicenter of the world entertainment industry. Because of its vibrant, diverse and international economy, Los Angeles remains an attractive lending area for Wilshire Quinn Capital.

For the past five years, Downtown L.A. has experienced a boom in housing and commercial development projects. Many people wonder if the recent boom in development will last. Is it sustainable? Many experts in the Los Angeles markets say yes. The Downtown market will continue to grow, and the housing sector in particular will expand for at least the next three or four years. Surveys show optimism and expectations of growth across many industries in the area.

According to, the median home value in Los Angeles is $831,000. Los Angeles home values have gone up 11% over the past year and rents have increased by 5% year-over-year. By comparison, the average price of a home in the United States is just over $200,000. The Los Angeles real estate market is considered a luxury market, and although it is not as high as San Francisco’s market, it is still well above most of America. Rental prices in Los Angeles over the past few years have consistently risen, making it worth consideration when purchasing an investment property.

Looking to buy an investment property to rent out in Los Angeles? Here’s why you should consider working with a Los Angeles hard money lender for the purchase.

The cost of living in Los Angeles has continued to increase over the past 10 years, making home ownership difficult for people. Many Americans desire the single-family home lifestyle but just cannot afford to buy into it. Also, millennials are waiting to get married, have massive school debt, and are not buying real estate. The number of Americans renting is incredibly high, leaving a great investment opportunity in rental properties.

  • The majority of Californians rent rather than owning, making the purchase a rental property a good business decision
  • The average family size in Los Angeles is 2.65
  • The average rental price in Los Angeles for a two-bedroom is $2,773 and $3,485 for a three-bedroom

Rental properties have recently created a stable vehicle for investing money and creating wealth. As many look to purchase an investment rental property, some look for a Los Angeles hard money lender to finance their transaction. Unlike traditional lenders, private money lenders focus more on the equity in a property relative to the borrower’s credit score. The underwriting and funding process can take place in a matter of days instead of weeks or months. Wilshire Quinn continues to fund hard money loans in Los Angeles and across the nation. Read our blog about using private money lending to win real estate bidding wars.

Asset-Based Lending

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 considering credit score and debt-to-income levels. Wilshire Quinn takes pride in its common-sense, equity-based lending. We are a Los Angeles hard money lender with roots tracing back to Wilshire Boulevard. Thanks to years of experience, we can handle even the most complicated of lending scenarios, and care more about the real estate you are purchasing or refinancing than inflexible bank requirements.

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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, entitled land, 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 8.5% to 10.5%, 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.

Los Angeles Hard Money Lender

We can fund hard money loans fast

At Wilshire Quinn we control the lending process and can provide fast answers and quick closings for your hard money lending needs. We are a direct Los Angeles hard money lender.

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