Los Angeles Hard Money Lenders
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Your Trusted
Los Angeles Private Money
Lender

At RTI Bridge Loans, we understand that when traditional financing options fall short, opportunities can slip through your fingers. That’s why we’re here to provide a lifeline to individuals and businesses in need of fast and flexible financial solutions. Serving for over 40 years, we are a veteran Los Angeles private money lender offering short-term mortgage loans to real estate investors in Los Angeles and the rest of Southern California.

Our private money loans services are designed to bridge the gap and ensure you seize your opportunities, whether it’s real estate investments, property rehabilitation, or business expansion. Stay ahead of the competition in the Los Angeles real estate market. Speak to our Hard Money experts today by calling (562) 857-2285

Our Private Money Lending Process

Our private money lending process at RTI Bridge Loans is simple and efficient.

  • Application – Borrowers submit an application for private money financing, detailing their investment plans and property information.
  • Underwriting – Our team assesses the borrower’s creditworthiness, property value, and proposed exit strategy.
  • Loan Approval – Once approved, we’ll offer a bridge loan that can cover up to 80% of the property’s appraised value.
  • Fast Disbursement – We disburse loan funds quickly, often within days, to enable you to swiftly respond to opportunities or financial needs.
  • Loan Payments – Borrowers make repayments as agreed upon, either through property sale proceeds or refinancing.
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RTI Bridge Loans Private Money Loans
$5,400,000 | 1st TD & 2nd TD Loan | Long Beach, CA
1st-td-and-2nd-td-bridge-loan-closed-in-long-beach

JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a

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$3,200,000 | 2nd TD Loan | Santa Clarita, CA
2nd-td-bridge-loan-closed-in-santa-clarita-ca

A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had

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$412,500 | 1st TD Bridge Loan | Valley Center, CA
rti-bridge-loans-for-property

$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market

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What are Private Money Loans?

As the name implies, private money lending means borrowing money from an individual investor. Real estate investors turn to private lenders like RTI Bridge Loans for financing deals that either fall outside the eligibility criteria of traditional loans or require a faster approval process than the typical month-long timeline of conventional mortgage loans.

How Does Private Money Lending Differ from Traditional Lending?

Private money lending and traditional lending differ in several key ways:

Private Money Lending:

  • Lender Source: Private individuals and investors provide the funds.
  • Flexibility: More flexible in terms of approval criteria, terms, and repayment schedules.
  • Collateral: Private lenders may accept a broader range of collateral or forms of security.
  • Credit Criteria: Private lenders consider factors beyond credit scores
  • Speed: The approval and funding process is much faster
  • Interest Rates: Higher interest rates to compensate for increased risk and flexibility.

Traditional Lending:

  • Lender Source: Banks, credit unions, or established financial institutions fund the loans.
  • Rigidity: Follows a stringent standardized underwriting process.
  • Documentation: Requires extensive documentation
  • Regulation: Strictly regulated environment with compliance requirements.
  • Credit Criteria: Approval requires a good credit score and a solid financial history.
  • Speed: The application and approval process is more time-consuming.
  • Interest Rates: Offers lower interest rates due to the low risk to the lender.
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Do you have any questions about private and traditional lending? Or perhaps private money vs. hard money? Our experts at RTI Bridge Loans are ready to answer all questions concerning private money loans in Los Angeles.

How is RTI Bridge Loans Unique from Other Private Money Lenders in Southern California?

When you partner with RTI Bridge Loans, you’ll immediately notice that it’s different from working with other California private hard money lenders. Here’s why:
  • Consistent, responsive, and reliable customer service
  • We routinely close loans in as little as ten days.
  • We have over 40 years of real estate investment experience
  • We are a fully licensed and insured mortgage lender

Take the next step in your real estate journey with a reliable lender that has your best interest in mind. Contact RTI Bridge Loans to learn more on how we can help you.

Advantages of Private Money Loans

Our private money loans at RTI Bridge Loans offer several advantages, including the following:

Faster approval and funding, making them ideal for time-sensitive opportunities

More lenient approval criteria and customizable loan terms

Approval is based on the asset’s value, not just on credit scores

Suitable for real estate investments, bridge financing, and unconventional business needs

Accessible when traditional lenders may decline or take too long

Opportunities for repeat transactions with private lenders

Allow for innovative financing strategies in unique situations

Need funding fast? RTI Bridge Loans offers reliable private money loans for residential real estate in Los Angeles.

Are Private Money Loans a Good Idea?

Private lending and investing could be a great idea in specific situations. These loans offer flexibility and quick access to capital, making them ideal for time-critical real estate investments and businesses with unconventional needs.

Achieve Your Real Estate Investment Goals
with RTI Bridge Loans

Ready to get started on your new investment with our private money mortgages? If you’re a California real estate investor looking for flexible terms, fast funding, and increased liquidity, consider applying for a hard money loan at RTI Bridge Loans. Our experienced team can help you find the right loan option to meet your unique needs. Call us today at (562) 857-2285 to see how you can qualify for a private money loan!

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Frequently Asked Questions

Private loan requirements typically include sufficient collateral to secure the loan, a stable financial profile, a reliable plan for covering interest and fees, and a clear exit strategy for loan repayments. Lenders may also assess your creditworthiness in the approval process.
Private lenders are willing to fund new constructions if they fit their lending requirements.
The pre-qualifying process only takes a day, and you can receive your funds in as little as a week after applying.

Get started now on making your
financial goals a reality.

RTI Bridge Loans Hard Money Loans
RTI Bridge Loans

RTI Bridge Loans, Inc. is primarily a Direct Portfolio Lender in Los Angeles County. We have 40 years of experience investing in all aspects of real estate: From residential development, private money lending, hard money and fix and flip loans.

DRE # 01125534 / 00793526

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