Hard Money Lenders of Montecito
Hard money loan programs in Montecito, CA

Loan Programs

Every deal is underwritten on the property, not the borrower.

7–14 days

to close

Up to 90%

loan-to-cost

$100K – $20M

loan range

No minimum

credit score

Fix and Flip Loans

Short-term financing designed for real estate investors purchasing, renovating, and reselling properties for profit. Fast approval and funding for time-sensitive deals.

Renovation Loans

Specialized financing for property renovation projects. Fund both purchase and improvement costs with flexible terms tailored to your renovation timeline.

Rehab Loans

Hard money financing for property rehabilitation projects. Quick access to capital for distressed properties requiring extensive repairs or updates.

Bridge Loans

Short-term financing that bridges the gap between transactions. Ideal when you need to purchase a new property before selling an existing one.

Construction Loans

Financing for ground-up construction projects and major developments. Flexible draw schedules and terms designed for builders and developers.

Commercial Real Estate Loans

Hard money financing for commercial property acquisitions, refinances, and improvements. Fast approval for office, retail, industrial, and multifamily properties.

Investment Property Loans

Financing for residential investment properties including single-family rentals, multifamily buildings, and vacation rentals. Asset-based lending with flexible terms.

Cash-Out Refinance Loans

Access equity in your investment properties quickly. Cash-out refinancing to fund new acquisitions, improvements, or business expansion.

Hard Money Loans

Asset-based lending secured by real estate. Fast, flexible financing when traditional banks can't deliver. Perfect for time-sensitive opportunities.

Equity Line of Credit Loans

Revolving credit facility secured by real estate equity. Draw funds as needed for multiple projects or ongoing investment activities.

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