Private & Hard Money Lenders in Monterey County, CA
13 lenders funded 98 short-term investment-property loans in Monterey County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Monterey County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Mackillie Inc | 74 | 11.00% | 2 |
| 2 | KIAVI FUNDING, INC. | 6 | 10.75% | — |
| 3 | Conventus Lending LLC | 3 | 9.00% | 1 |
| 4 | VAL-CHRIS INVESTMENTS INC. | 2 | — | 1 |
| 5 | Equity Wave Lending, Inc. | 2 | — | — |
| 6 | Genesis Capital, LLC | 2 | — | — |
| 7 | INWOOD NATIONAL BANK | 2 | — | — |
| 8 | Loan Funder LLC | 2 | — | — |
| 9 | FREMONT BANK | 1 | — | 2 |
| 10 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 11 | First Bridge Funding, Inc | 1 | — | — |
| 12 | First Bridge Funding, LLC | 1 | — | — |
| 13 | HTLF BANK | 1 | — | — |
DSCR / long-term rental lenders in Monterey 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
13 lenders reported short-term, business-purpose investment loans in Monterey County in 2024 verified lending records — 98 loans totaling $90.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Monterey County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.00% to 11.00%. 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.