Hard money lender in Los Angeles, CA
GPS Capital is a direct hard money and private lender for investment real estate across Los Angeles and Orange County. We finance purchases, refinances, fix-and-flip projects and rehab, with the property and the exit at the center of the decision - not your tax returns or credit score. Tell us the address, the amount you need and the plan.
Los Angeles hard money and bridge loan terms
Rates 9.99% to 12.99%, 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month terms. No minimum credit score. Closes as fast as one week - well-documented deals have funded in 3 to 5 business days.
The Los Angeles market
In Los Angeles, winning the deal usually means proving you can close. GPS Capital underwrites, funds and services every loan in-house, so there is one team and one decision from term sheet to funding. A well-documented deal can close in as fast as one week, and no formal appraisal is required in many cases. Qualifying commercial properties can also be reviewed for our separate cash-flow-based DSCR program.
FAQ
Los Angeles FAQ
Who is a direct hard money lender in Los Angeles?
GPS Capital is a direct private lender, financing investment property nationwide since 2003, including the Los Angeles metro (Los Angeles-Long Beach-Anaheim, CA). Every loan is underwritten, funded and serviced in-house - no broker, no outside committee.
What are hard money loan rates in Los Angeles?
GPS Capital's rates run 9.99% to 12.99% with 1 to 2 points, on loans from $500K to $20M, up to 70% of after-repair value, typically on 12-month terms. Every deal is priced on its own merits.
How fast can a hard money loan close in Los Angeles?
As fast as one week. Well-documented deals have funded in 3 to 5 business days, and many close without a formal appraisal. Tell us your deadline up front and we will tell you honestly if we can hit it.
Can I get a hard money loan on an LA property that needs work?
Yes. Distressed and value-add properties are exactly what hard money is for - we underwrite the after-repair value, up to 70% of ARV, with the renovation plan built into the loan structure.
Do you work with Los Angeles-area brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the property address, loan amount and the borrower's goal for a same-day review.
Have a deal? Get a response within 2 hours.
No obligation. If we can’t fund it, we’ll tell you straight.
Or call us now: 718-247-8863 Deals@gpscapllc.com