San Francisco Hard Money Lender 2018-06-26T21:08:03+00:00

San Francisco
Hard Money Lender

Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on San Francisco hard money lender Wilshire Quinn. We are a direct private money lender; we are not a loan broker. We know that time is of the essence for borrowers who may be seeking a hard money loan or private money loan in San Francisco, CA. That’s why Wilshire Quinn will work with you to fund your loan in just a matter of days. If you need a hard money loan in San Francisco, get the process started by filling out the form or call us today!

619.872.6000 | loans@wilshirequinn.com

Apply for a Hard Money Loan

Get started by completing the form below and an associate will reach out to get your loan details

AS SEEN ON

San Francisco hard money lender in Yahoo Finance
San Francisco hard money lender in Yahoo Finance
San Francisco hard money lender in Investor Place
San Francisco hard money lender on NBC
San Francisco hard money lender in Markets Insider
San Francisco hard money lender in FOX News
Hard Money Lenders (Home) » San Francisco Hard Money Lender

What is a Hard Money Loan?

A hard money loan is a short-term loan also known as a bridge loan, that is used until a person or company either secures permanent financing or removes the obligation through the sale of the property. Hard money loans generally have higher interest rates than conventional or bank loans, and are written for shorter periods of time. Typical hard money loans or bridge loans are 12 to 18 months in length. Wilshire Quinn loans do not exceed 60% of the appraised value of the property securing the loan.

Who Typically Uses a Hard Money Loan

  • Business owners looking to pull cash out of existing properties
  • People who want to close quickly
  • Borrowers who have multiple properties looking to cross collateralize
  • Investors looking to purchase rental properties
  • Investors who buy, repair, and immediately resell their property (Flippers)
  • Borrowers who cannot refinance with a traditional bank
  • Builders and more…
San Francisco Hard Money lender 1san francisco hard money lender2san francisco hard money market trends graph

San Francisco Hard Money Lender – winning the real estate bidding war

San Francisco the fifth most densely populated U.S. county, is culturally diverse and the financial center of Northern California. San Francisco is home to the world’s most innovative industries. The Bay Area economy is growing at a rate 3 times that of the rest of the nation, generating $781 billion in gross domestic product in 2016. Silicon Valley is home to the world’s largest high-tech corporations, including the headquarters of 39 businesses in the Fortune 1000, and thousands of startup companies.

The big question is can the bay area keep up with the growth and demand. Many say no.

  • The total number of jobs in San Francisco went up by 115,000 in 2016.
  • The city issued only 29,117 new permits between 2015 and 2016, and only 68 percent of them for residential projects.

According to a report by Zillow, 68.5 percent of homes sold went for more than the asking price. That means the median amount paid over the list price was $62,000, or 6.8 percent over list. The housing market is hot in the Bay Area.  With a low housing supply and high demand, people are bidding up the price and homes are selling way over the listing price. It’s the perfect storm. So how do you compete in this market?

Consider private money

Given the intense competition between buyers, sellers are increasingly requiring all-cash offers. Furthermore, sellers are also reducing shortening the time to close escrow and are less willing to grant extensions to escrow closing dates. Obtaining a hard money loan from a private money lending institution can help in this scenario.

Getting a pre-Approval letter from a San Francisco hard money lender Can strengthen your position and help you win the bidding war. Unlike traditional lenders, private money lending institutions focus more upon 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 San Francisco and across the nation.

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 on your credit score and debt to income levels. Wilshire Quinn takes pride in our common sense equity based lending. Wilshire Quinn is a San Francisco hard money lender with a strong track record. As an experienced hard money lender we can handle even the most complicated of lending scenarios and care more about the real estate that you are purchasing or refinancing than inflexible bank requirements.

Get More Information

Know our Borrowers

Premier San Francisco hard money lender; lending hard money loans nationwide

I'm not one to typically write reviews but I was so impressed with Wilshire Quinn Capital's service I felt it needed to be shared. I'm a mortgage broker and I recently referred a client to Wilshire Quinn who didn't qualify for any of our programs and needed to fund quickly on a house. I spoke with Matt Mielke and he was not only able to provide a great loan for the client but funded it with time to spare! The client thanked me for connecting him with Matt and as that was the only way he could finance his dream home. It was nice to be able to refer a hard money lender that did what he said he was going to do. I highly recommend Wilshire Quinn Capital for any hard money lending.
Travis Smith
Travis Smith
20:45 21 Mar 18
The professionals at Wilshire Quinn are the best of the best. If you're not able to use a traditional lender, give these guys a call. They're extremely professional, knowledgeable and efficient!
Michaela Keilty
Michaela Keilty
17:47 21 Mar 18
The best!! They are trustworthy and professional. I highly recommend!!
Dan Fulkerson
Dan Fulkerson
23:26 19 Mar 18
Matthew and his team are the most professional efficient team I have ever worked with in all my 25 years in Finance they took a very tough loan and converted it into $400,000 in working capitol in less than 2 weeks the level of service was unmatched Matthew Mielke is an absolute rock star to deal with if he tells you he will call you at 3 the call happens at 2:30 thank you Matthew for all your help!Jason Roberts
Jason Roberts
Jason Roberts
22:42 31 May 18
Kris Lindley
Kris Lindley
21:56 26 Mar 18
Whether you are investing in secure first trust deed notes or need a hard money loan from a respected private lender, I recommend Wilshire Quinn.
Kris Pattison
Kris Pattison
18:07 28 Mar 18
I’ve dealt with them for 3 years and I’ve always had a great experience. No one should have any reservations about working with them.
arnie rissman
arnie rissman
21:36 15 May 18
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.
Robert Noble
Robert Noble
19:15 16 May 18
This is a superb company to do business with.The customer service is always fast and accurate and gets the job done..When we needed help we had it in record time (three different times) to solve our financial needs...We can't say enough good things about doing business with Wilshire Quinn. Marvin and Arde Harris
arde harris
arde harris
16:16 17 May 18

F.A.Q’s – Hard Money Loans 101

What is a hard money loan? 2018-05-16T17:56:49+00:00

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 6 months up to 2 years.

What if my credit score is low? 2018-05-16T17:44:44+00:00

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

How long does the loan process take? 2018-05-30T22:54:06+00:00

After receiving a signed term sheet Wilshire Quinn typically funds a loan in 5 to 7 business days.

What type of properties do you lend on? 2018-05-30T22:54:31+00:00

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

What types of loans does Wilshire Quinn originate? 2018-05-30T22:54:44+00:00

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

How do I submit a loan request? 2018-05-30T22:55:08+00:00

You can either complete our online loan application, email or call us directly. We would prefer to talk through your loan scenario as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.

What is the cost of a hard money loan? 2018-03-26T21:57:22+00:00

Our interest rates typically range from 9% to 12%, interest-only. Lender origination points typically range from 2% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

A Trusted San Francisco Hard Money Lender

Ability to 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 San Francisco hard money lender which means we can fund hard money loans fast.

Submit A Loan Request

Recently Funded Hard Money Loan Transactions

San Francisco hard money lender - recent deals
El Monte, CA.

Loan Amount: $4,750,000
Loan Type:  Refinance
Property Type: Industrial
Loan-To-Value: 60%
Term: 12 Months

San Francisco hard money loans - recent deals
Los Angeles, CA.

Loan Amount: $430,000
Loan Type:  Blanket Purchase
Property Type: Single Family
Loan-To-Value: 33%
Term: 12 Months

San Francisco hard money lenders - recent deal
Santa Monica, CA
Newport Beach, CA

Loan Amount: $3,725,000
Loan Type:  Purchase / Rehab / Blanket
Property Type: Single Family
Loan-To-Value: 45%
Term: 12 Months

Customer Service

At Wilshire Quinn you’ll get the friendly guidance you need to help you through the private money loan process. We’ll make sure the loan terms work for you and for your project or we won’t fund the loan. Submit a loan scenario today to quickly hear back from one of our representatives. If you are looking for a San Francisco hard money lender, feel confident calling Wilshire Quinn.


  • Streamlined Process & Approval within 24 hours


  • Funding typically in 5-7 days


  • We are a Direct Lender; not a broker


  • Foreign nationals – OK


  • Refinance, purchase, blanket, refinance, rehab loans


  • Commercial, residential, multi-family, most property types considered


  • Special use buildings like: car wash, gym, parking lot, bowling alley, mobile home park.

Call us now at 619.872.6000 and speak directly to a decision maker. Get a pre-approval from a San Francisco hard money lender within 24 hours and funding in about 5-7 days.

San Francisco Hard Money Lender - Wilshire Quinn Logo

Wilshire Quinn Capital, Inc.
2550 Fifth Avenue, Suite 1070
San Diego, CA 92103


E: loans@wilshirequinn.com
P: (619) 872-6000
F: (619) 872-6010

Submit a loan application

Get answers and a pre-approval for a bridge loan today!

Wilshire Quinn Capital Rated 5 / 5 based on 9 reviews. | Review Me