California’s Private Mortgage Lender – Fix & Flip, Rehab, Hard Money Bridge Loans for Investors

Loan QuoteWe base our loan qualifications on the property value, not on the borrowers’ credit; Stated Income, Sub-Prime, Hard Money and Bridge Loans. Whether you need to finance $50,000 or $15 million+, HBS Finance can fund your loan. We make it easy for you, no income verifications, no W-2s, no tax returns. At HBS Finance, even a small loan is a big deal to us. We do NOT charge Upfront Lender Fees and we also have one of the Lowest Rates and Fees in the industry read more


California N/O/O Residential and Commercial Properties

• Foreign Investors / Bad Credit / Investor Flips / Need to close quickly
• Rates start at 7.99%
• LTV up to 65%
• Loan Amounts up to $7,500,000
• No Credit Check, No Appraisals, No Delay Funding – Close in 7 days
• 1-5 Year Terms, No Prepayment Penalty
• Financing for Old, Odd & Ugly ‘C-Class’ Commercial Property

  • JUNK YARDS – SCRAP METAL / WRECKING / SALVAGE
  • MIXED-USE REAL ESTATE – MULTIPLE PROPERTY USES WITHIN A SINGLE BUILDING.
  • RELIGIOUS INSTITUTIONS – HOUSES OF WORSHIP, CHURCHES, TEMPLES
  • AUTOMOTIVE RELATED – TRUCK & AUTO SERVICE, GARAGE/STORAGE, TIRE SHOP

*Vacant Lot / Land Loan Financing Available


Stated Income Loans for Investment and Commercial Properties

NATIONWIDE – Non-Owner Occupied Single Family Residence, 2-4 Rental Units, Multifamily, Mixed-use, Office, Retail, Warehouse, Self-Storage, Automotive
Rates start from 6.99%
• Loan Amounts up to $5,000,000
• LTV up to 70%
• Minimum Credit Score 650
• 30 Year Loan / 30 Year Fully Amortized


General Lending Criteria
• Loan Size – Loan Amounts up to $15,000,000
• Location – Urban and suburban US properties. Major metropolitan areas only
• Collateral – 1st Lien Position on improved income producing (rental units, multifamily, mixed-use), industrial and commercial properties.
• Rates – From 8.99%
• Terms – 1-5 years, interest only or fully amortized
• Loan to Value – Class I: 70% / Class II: 65%
• Property Types
Class I: Rental Units, Multifamily (5+ Units) & Mixed-use
Class II: Office, Retail, Warehouse, Self-Storage & Automotive Services

Stated Income

Let us put our experience and expertise to work for you. Call us (310) 356-6500