San Diego
Hard Money Lender

We are a San Diego hard money lender financing commercial and residential real estate up to $10M. As a direct hard money lender, we are able to pre-approve our borrowers in 24 hours and fund a loan in about 5 days. Whether it be a purchase, refinance, cash-out, or a rehab loan, you can count on Wilshire Quinn to fund your loan quickly.

619.872.6000 | loans@wilshirequinn.com

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Hard Money Lenders (Home) » San Diego Hard Money Lenders

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 Income Fund 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…

Recently Funded Hard Money Loans

LOS ANGELES, CA

Loan Amount: $16,025,000
Loan Type: Blanket Refinance
Property Type: Hospitality
Loan-To-Value: 43%
Term: 12 Months

DENVER, CO

Loan Amount: $2,520,000
Loan Type: Purchase
Property Type: Assisted Living
Loan-To-Value: 59%
Term: 12 Months

LOS ANGELES, CA

Loan Amount: $10,675,000
Loan Type: Refinance
Property Type: Parking Structure/Retail
Loan-To-Value: 52%
Term: 12 Months

LAKE OSWEGO, OR

Loan Amount: $1,500,000
Loan Type: Purchase (Blanket)
Property Type: Single-Family
Loan-To-Value: 61%
Term: 12 Months

We specialize in many property types including:

Multifamily
Single Family Investment Properties
Retail shopping centers
Office Buildings
Warehouse & Industrial
Special Use: Assisted Living Facilities, Parking Garage/Lots, Mobile Home Parks & more

Our Lending Program:

Funding in 5-7 days
Loan Amounts from $200,000 to $10,000,000
Loan-To-Value: 60%
Commercial & Residential Real Estate Nationwide
Purchase, Refinance, Rehab, Cashout Refinance, Fix-n-flip, Blanket Loans
Foreign Nationals OK
Loan Term: 3 – 24 months

Know Our Borrowers

Premier San Diego Hard Money Lender, Lending Nationwide

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 Garner

23:30 13 Dec 21

Chris Garcia and Emily Mesetz were great to work with. They were always quick to respond and had excellent follow-up.

Andrea King

23:32 11 Nov 21

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

17:21 08 Oct 21

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

17:57 07 Oct 21

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

18:33 09 Jul 21

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

01:08 22 May 21

i love the way the speed of closing went

elliot moore

16:17 06 Apr 21

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

16:24 16 Mar 21

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

17:03 10 Dec 20

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

17:00 10 Dec 20

Wilshire Quinn was great to work with, from start to finish everything was seamless! Would highly recommend.

Donald Kaminski

01:08 10 Dec 20

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

01:14 03 Dec 20

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

21:45 11 Nov 20

Very easy to work with as a mortgage broker. Protects their clients.

Luke R. Johnson

20:19 05 Nov 20

Wilshire Quinn Capital, Inc. is definitely great at their follow-up. Always pro-active trying to get deals done!

Alicia Gandy

18:18 15 Oct 20

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

22:36 16 Sep 20

Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%

Bill Janis

21:46 03 Oct 19

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

22:10 28 May 19

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.

RishiRia Barkataki

22:08 13 May 19

Wilshire Quinn is easy to work with, always accessible, always on top of it. Overall great experience

George Saunders

20:24 09 May 19

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

23:30 07 May 19

Have been a Broker in CA since 1980 and have enjoyed working with Chris and his staff for many years,

Louis Steinberg

17:11 07 May 19

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

17:44 04 May 19

Great hard money lender.

Patrick Wight

21:11 03 May 19

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

22:00 02 May 19

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

16:16 17 May 18

Wilshire Quinn was extremely professional and they have the staff to make sure all issues are addressed quickly.

David Kurniadi - the Kurniadi Group

02:57 16 May 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

21:36 15 May 18

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

20:45 21 Mar 18

The best!! They are trustworthy and professional. I highly recommend!!

Dan Fulkerson

23:26 19 Mar 18

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Advantages of a Bridge Loan

Whether you are looking to secure financing for a purchase, refinance, cash out, or a multiple property loan; here are some advantages to using a bridge loan also known as a hard money loan.

Speed / Closing Time: Qualifying and being approved for a bridge loan is a faster process than applying for a traditional loan or an equity loan. Wilshire Quinn typically funds bridge loans in 5-7 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 your credit score and debt to income levels.
Opportunities: Having a bridge loan allows you to secure opportunities that you might otherwise miss out on in the housing market. Showing a seller you have been pre-approved by a private money lending institution can help you win an offer. Read more about this here: Using private money lending to win real estate bidding wars.

San Diego hard money lender - private money lender

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F.A.Q’s – Hard Money Loans 101

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, entitled land, 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.

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 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?

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).

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.

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.