A property plan. A clear exit.
Hard Money Loans in Los Angeles
Hard money loans can provide short-term financing for Los Angeles investment properties. The property, project budget, available funds, and plan to repay the loan help shape the options.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What Are Hard Money Loans?
Start with the deal—and how you plan to repay it.
Hard money financing is generally used for a short-term investment purpose, such as acquiring or improving a property before a sale or refinance. The lender evaluates the collateral and project alongside the borrower’s qualifications.
A shorter term makes the repayment plan especially important. The Funding Clinic is a mortgage broker: we introduce your deal to lending partners and help you review the proposed terms, costs, and conditions.
02 / See how it fits
Who This Is For
- Investors considering short-term acquisition financing
- Flippers who plan to sell soon
- Buyers evaluating property-focused financing
- Investors who plan to refinance into a long-term loan later
What You May Need
Requirements vary by lender and program. Common items to discuss include:
- A signed application
- The sales contract
- Entity papers
- Photo ID
- An experience sheet and a project budget
03 / Your local investment
Serving Los Angeles and Nearby Cities
For a Los Angeles renovation or acquisition, bring the purchase contract, current property condition, budget, and proposed exit. A realistic schedule helps you assess whether the loan term fits the work and intended sale or refinance.
- Los Angeles
- Inglewood
- Culver City
- Beverly Hills
- West Hollywood
- Santa Monica
- Glendale
- Burbank
- Pasadena
- East Los Angeles
- Hawthorne
- Compton
- Alhambra
See all our Los Angeles loans or see all areas we serve. Investing outside Los Angeles? See Hard Money Loans in other states.
What Hard Money Deals Often Look Like in Los Angeles
Hard money loans are short-term loans, usually used for fix and flip projects or quick purchases. Lenders focus on the property and your plan more than on your tax returns.
Timing: Los Angeles permits and inspections can take longer than expected. A plan with extra time built in is safer than a tight one.
The plan: Lenders want to see your budget, your timeline, and how you will pay the loan off. That payoff plan is called your exit strategy: selling the property or refinancing into a longer loan.
Costs: Hard money loans usually cost more than long-term loans. Interest, fees, and points vary by lender, so we go over all costs with you before you decide.
We shop your deal with our lending partners. We cannot promise approval, speed, or terms.
04 / A little clarity
Questions We Hear a Lot
What is the difference between a hard money lender and a private money lender?
These terms can overlap. Hard money generally describes short-term, property-focused financing; private money describes the source of funds. Compare the actual loan terms, fees, security, and repayment requirements rather than relying on the label.
How quickly can a hard money loan close?
Timing depends on the lender, valuation, title, property, and completeness of the application. Discuss your contract deadline early; approval and closing dates are not guaranteed.
How much can I borrow?
The lender determines the amount based on the property, project, valuation, borrower qualifications, and available funds. We review those details before discussing an offer.
What is an exit strategy?
It is your plan to repay the short-term loan, such as selling the property or refinancing. A future refinance requires a separate approval, so it should not be treated as guaranteed.
Can I use a hard money loan to buy a house that needs repairs?
Yes, that is a common use. Some lenders also fund part of the repair budget. What they allow varies by lender and by deal.
Do hard money lenders look at my credit?
Many focus mostly on the property and your plan, but most still review credit and your experience. Requirements vary by lender.
What does a hard money loan cost?
Costs usually include interest and fees, and often points. They vary by lender and by deal. We cannot quote costs here, but we can walk through them on a call.
Can I get a hard money loan in an LLC?
Many lenders lend to an LLC. You may need to provide entity papers and sign personally in some cases. This varies by lender.
What if my project runs late?
Talk to your lender before the loan comes due. Some lenders offer extensions, often for a fee. Building extra time into your plan from the start helps.
05 / Explore your options
Related Loan Options
Our track record
Recently Funded Loans
A few of the loans we arranged in the past year. To protect our clients’ privacy, we show only the loan type, city and month.
- DSCR loanColumbia, SCOctober 2026
- Investor refinanceIndianapolis, INOctober 2026
- RefinanceCompton, CASeptember 2026
- DSCR loanSavannah, GAAugust 2026
- DSCR refinanceMilwaukee, WIJune 2026
- DSCR loanSavannah, GAJune 2026
- DSCR loanAlbany, GAJune 2026
- Asset-based refinanceSan Diego, CAJune 2026
- DSCR purchaseSavannah, GAMay 2026
- DSCR loanAlbany, GAMay 2026
- DSCR loanMemphis, TNMarch 2026
Past results do not guarantee approval. Every loan depends on the lender’s review and the details of your deal.
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
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Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM