Private & Hard Money Lenders in Merced County, CA
8 lenders funded 37 short-term investment-property loans in Merced County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Merced County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 19 | 10.75% | 3 |
| 2 | Conventus Lending LLC | 5 | 11.99% | 1 |
| 3 | Merchants Mortgage & Trust Corporation | 5 | 10.00% | — |
| 4 | Sundae Funding | 3 | 10.75% | — |
| 5 | VAL-CHRIS INVESTMENTS INC. | 2 | — | — |
| 6 | Easy Street Capital LLC | 1 | — | — |
| 7 | First Bridge Funding, Inc | 1 | — | — |
| 8 | LendingOne LLC | 1 | — | — |
DSCR / long-term rental lenders in Merced County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
8 lenders reported short-term, business-purpose investment loans in Merced County in 2024 verified lending records — 37 loans totaling $11.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Merced County's active lenders was 10.75% in 2024, with per-lender medians ranging from 10.00% to 11.99%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.