Hard Money & Private Lending

Fast Capital for
Real Estate Investors

Western Lending funds hard money and private real estate loans across California — with speed, flexibility, and no red tape.
DRE# 02412708 · Licensed in California
California Hard Money Lender
Average Close
0 Days
Capital Deployed
$0+M
Max Loan-to-Value
0% LTV
Position Offered
1st, 2nd and 3rd
Loan Programs

Built for Real Estate Investors

From a quick bridge loan to a long-term rental hold, we structure financing around your deal — not a one-size-fits-all checklist.

Fix & Flip

Flexible structures, fast approvals, and common-sense underwriting across every deal type.
Up to 90% LTC · 12-month terms

Bridge Loans

Gap financing between acquisitions, refi's, or stabilization events.
6–24 month terms · Flexible exit

Ground-Up Construction

New builds with draw schedules. Residential and small commercial.
Up to 70% of completed value

DSCR / Rental

Qualify on property cash flow, not personal income. 30-year fixed available.
No income docs required

Commercial

Mixed-use, retail, office, and 5+ unit multi-family. Up to $10M.
Common-sense underwriting

Don't see your deal type?

Let's Talk
How It Works

From application to funding — in days, not months.

Our streamlined process is built for investors who need to move quickly and close with confidence.
1
Submit Your Scenario
Fill out a brief application with property details and your investment plan. Takes under 5 minutes.
2
Get a Decision
We review your deal and issue a term sheet within 24 hours. No credit check required to get started.
3
Execute & Sign
Agree to terms, provide required docs, and we order the appraisal. Our team guides you every step of the way.
4
Close & Fund
We coordinate directly with escrow. Funds are wired at close — as fast as 5–7 business days from approval.
Why Western Lending

Private lending done with precision and integrity.

We're asset-based lenders. That means decisions are made on the deal, not your W-2 — and we move without the bureaucracy of conventional finance.
01

Decisions in 24 Hours

We review your deal and give you a clear answer within one business day. No waiting weeks for a committee.

02

Asset-Based Underwriting

We lend on the value of the property. Low FICO, self-employed, or unique income structure? We can still fund your deal.

03

Flexible Terms

Interest-only options, custom draw schedules, and structures that fit your investment strategy — not a standard template.

State We Serve

Lending across California

CA
California
From Los Angeles and the Bay Area to San Diego and the Central Valley, we fund deals across the entire state. DRE# 02412708.

Ready to fund your next deal?

We review every scenario individually. Whether you're a first-time investor or closing your 50th deal, we want to hear from you.