Private & Hard Money Lenders in Napa County, CA
12 lenders funded 32 short-term investment-property loans in Napa County in 2024 at a median rate of 10.50%. Ranked by verified loan volume — not paid placement.
Napa County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Conventus Lending LLC | 8 | 10.50% | — |
| 2 | KIAVI FUNDING, INC. | 6 | 10.75% | — |
| 3 | First Bridge Funding, Inc | 5 | 10.99% | — |
| 4 | Merchants Mortgage & Trust Corporation | 3 | 9.75% | — |
| 5 | Sundae Funding | 3 | 10.25% | — |
| 6 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 1 |
| 7 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 8 | Churchill Funding I LLC | 1 | — | — |
| 9 | Genesis Capital, LLC | 1 | — | — |
| 10 | Insignia Capital Corp. | 1 | — | — |
| 11 | North Coast Financial, Inc. | 1 | — | — |
| 12 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Napa 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
12 lenders reported short-term, business-purpose investment loans in Napa County in 2024 verified lending records — 32 loans totaling $40.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Napa County's active lenders was 10.50% in 2024, with per-lender medians ranging from 9.75% to 10.99%. 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.