California Private Money &
Hard Money Loan Programs

Flexible Solutions for Real-World Loan Scenarios

Triple Crown Funding provides private money—often referred to as hard money—for borrowers and properties that may not fit traditional bank or conventional lending guidelines.

Private money financing can be an effective solution when a borrower needs to close quickly, has credit or income challenges, wants to preserve an existing low-rate first mortgage, needs to access equity for a business purpose, or owns a property that traditional lenders will not finance.

Unlike traditional lending, private money underwriting focuses heavily on the real estate collateral, available equity, and overall transaction rather than relying solely on conventional income, credit, and asset requirements.

General Lending Guidelines

True Private Capital. Make-Sense Underwriting.

Many lenders today market themselves as private money or hard money lenders but are ultimately backed by institutional capital and still operate within a rigid credit box.

Triple Crown Funding works with true private capital, giving us the ability to look at the entire transaction rather than simply determining whether every item fits a preset guideline.

We consider the property, equity, borrower circumstances, use of funds, lien position, and exit strategy together.

Our published guidelines are a starting point—not an absolute credit box.

If the overall loan makes sense, we will work to find a way to fund it.

Our Most Common Loan Programs

California Hard Money 2nd Mortgages

Access real estate equity without refinancing an attractive existing first mortgage. Private money seconds can work for rental, commercial, and owner-occupied properties when the proceeds qualify as business purpose.

Owner-Occupied Business-Purpose Loans

Use equity in an owner-occupied home to obtain capital for business expansion, working capital, investments, rental-property rehabilitation, and other legitimate business purposes.

Fast Close Loans

Private money financing for purchases and urgent transactions where timing is critical and traditional lenders cannot close quickly enough.

Bridge & Cross-Collateralized Loans

Use equity in one or multiple properties to solve down-payment, liquidity, refinance, and cash-out needs.

Foreclosure Bailout Loans

Equity-based financing designed to refinance delinquent debt and help prevent the loss of rental or investment property to foreclosure.

Fixer & Non-Bankable Property Loans

Financing for properties that conventional lenders will not finance because of poor condition, incomplete renovations, deferred maintenance, or other property issues.

Equity-Based & Stated Income Loans

Financing for borrowers with strong real estate equity who do not fit traditional credit, income, asset, or documentation guidelines.

Probate, Estate & Inherited Property Loans

Private money financing for inherited properties, trusts, estates, irrevocable trusts, beneficiary buyouts, repairs, and time-sensitive estate transactions.

Have a Loan
Scenario?

Private money loans are highly scenario-specific.

To quickly evaluate a transaction, send us: