Hard money lenders in California,
and how a broker places your file.

A private or specialty lender that writes short-term real estate loans secured by the property itself, underwritten on the asset and the exit rather than on tax returns and employment history. The money is priced higher than a bank's because the term is short and the lender is carrying transition risk; in exchange the file moves on the property's numbers and closes faster. Hard money is a description of the underwriting, not a product — the same capital is written as a fix and flip loan, a bridge loan or a construction loan depending on what it is doing.

No. NexWin Capital Corp. is a licensed California broker. It arranges hard money and private capital for California real estate by placing each file with the third-party lender whose terms fit the asset and the exit, and it stays on the file through closing. Because it arranges rather than lends, it does not set the rate or the terms — those come from the lender on a term sheet written against your specific deal.

Directly, or through a broker. Private lenders differ in the asset types they will fund, the leverage they will go to, the hold periods they will write and the counties they will lend in, and those edges are not always published where a borrower can read them. A broker who places files with those lenders takes the scenario once, matches it to the lenders whose terms actually fit, and brings back a term sheet — that is the service NexWin Capital Corp. provides. The Capital Fit Check on this site is the fastest way to start.

The asset and the exit, then the sponsor. What the property is worth now; on a rehab, what it will be worth finished against a specific scope of work and comparable sales; how much of the project the loan covers against value, cost or after-repair value; what specifically repays it, and on what timeline; and the track record of the person running the deal. Personal income documentation matters far less than it does on a consumer mortgage. The loans are written to entities for business purpose, not for a home the borrower intends to live in.

It depends on which program the money runs under. The fix and flip program is published at $100K – $3M over 6 – 18 mo, at up to 80% of after-repair value with rehab funded up to 100%. The bridge program is published at $250K – $20M over 6 – 24 mo at up to 75% of value. The ground-up construction program is published at $250K – $10M+ over 12 – 24 mo at up to 90% of cost. Rate is set on a term sheet against the specific deal — NexWin Capital Corp. arranges financing through third-party lenders and does not set price, so no rate is published here.

Faster than a bank loan, because the file is carried by the property and the exit rather than by income documentation. All three programs publish a typical close of ~14 business days from a qualified, complete file. What moves that number is rarely the lender: it is title, appraisal turnaround, payoff demands, and how quickly the borrower returns the items on the list.

The programs on this site are business-purpose loans on investment property, written to entities. A hard money loan for a primary residence — a home the borrower intends to live in — is generally a consumer-purpose loan and is not what these programs are for. An inquiry like that gets a straight answer rather than a term sheet. Fix and flip, bridge, ground-up construction and DSCR rental loans all sit inside the business-purpose category.

Hard money describes how the money is priced and underwritten; bridge and fix and flip describe what it is doing. A bridge loan holds a position between an acquisition and a permanent loan or a sale; a fix and flip loan funds a purchase and a renovation against the after-repair value; a construction loan releases money in draws as stages complete. All three are commonly hard money, and fix and flip hard money lenders and bridge lenders in California are often the same private lenders wearing the name of the job. The residential transition loans page on this site explains all three as a category, and the hard money loan calculator prices a bridge or a purchase-and-rehab scenario against a rate you have actually been quoted.

In practice, yes. The two names describe the same capital, and private money lenders in California and hard money lenders are largely the same set of firms. “Hard money” is the older trade term and points at how the loan is underwritten — hard asset first, borrower income second. “Private money” points at where the capital comes from: a fund, a family office, or individual investors rather than a depository bank. Some people reserve “private money” for a loan from someone they already know and “hard money” for a professional lender, but that split is not used consistently across the market, and a term sheet does not change according to which word you searched for. NexWin Capital Corp. is a licensed California broker either way: it places files with these lenders rather than lending itself.

Start by dropping the proximity requirement, because it is usually the least important thing about the decision. These are business-purpose loans secured by a specific property, underwritten on that property and its exit, and almost all of it happens by email, e-signature and wire — a lender two hours away and a lender two miles away close the same file the same way. What actually differs between them is leverage, how they treat your experience, what they need to see on the exit, and how quickly they move. Search on the asset instead: the property's county and type will narrow the field far better than a radius. NexWin Capital Corp. works from one office in Costa Mesa and places files across California, which is the practical version of the same point — the right lender for your deal is chosen on fit, not on distance.

Yes — Orange County is one of the more active private-lending markets in the state, so a borrower here usually has several lenders competing for the same file rather than one to take or leave. That is what makes a broker useful: proximity does not decide which lender fits, the asset, the leverage and the exit do, and the right answer is often a statewide lender rather than the closest one. NexWin Capital Corp. works from a single office in Costa Mesa and places fix and flip, bridge and ground-up construction files the same way whether the property sits in Orange County, Los Angeles or San Diego.

Hard money is one corner of asset-based lending, not a synonym for it. Asset-based lending is the broader idea that collateral, rather than the borrower's income statement, carries the credit decision — it covers borrowing against receivables, inventory and equipment as well as against real estate. Hard money is the real-estate corner of that: the asset is the property, the underwriting questions are what it is worth now and what specifically repays the loan, and personal tax returns matter far less than they would on a consumer mortgage. So every hard money loan is asset-based lending, but plenty of asset-based lending has nothing to do with property at all.

No. The figures above are the published ranges of three programs, not an offer, quote, pre-approval or commitment to lend, and every deal is underwritten on its own facts. NexWin Capital Corp. arranges financing through third-party lenders and does not set rate or terms. Nothing here is legal or tax advice.