Private & Hard Money Lenders in Riverside County, CA
31 lenders funded 519 short-term investment-property loans in Riverside County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Riverside County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 185 | 10.75% | 5 |
| 2 | VAL-CHRIS INVESTMENTS INC. | 97 | 13.50% | 1 |
| 3 | Easy Street Capital LLC | 56 | 10.50% | — |
| 4 | Merchants Mortgage & Trust Corporation | 37 | 10.25% | 1 |
| 5 | Equity Wave Lending, Inc. | 24 | 12.00% | 3 |
| 6 | Genesis Capital, LLC | 16 | 9.00% | — |
| 7 | Loan Funder LLC | 15 | 10.75% | 5 |
| 8 | Conventus Lending LLC | 15 | 9.75% | — |
| 9 | Sundae Funding | 15 | 10.50% | — |
| 10 | Churchill Funding I LLC | 13 | 10.88% | — |
| 11 | Mortgage Vintage, Inc. | 9 | 13.99% | — |
| 12 | LIMA ONE CAPITAL, LLC | 4 | 11.70% | 1 |
| 13 | Commercial Loan Corporation | 4 | 12.99% | — |
| 14 | FirstBank | 3 | 10.00% | 17 |
| 15 | LANTZMAN MANAGEMENT INC | 3 | 12.00% | 8 |
| 16 | North Coast Financial, Inc. | 3 | 10.95% | — |
| 17 | RF Renovo Management Company, LLC | 3 | 10.00% | — |
| 18 | Archwest Funding | 2 | — | 1 |
| 19 | Insignia Capital Corp. | 2 | — | 1 |
| 20 | Mackillie Inc | 2 | — | — |
| 21 | JPMorgan Chase Bank, NA | 1 | — | 44 |
| 22 | Hometown Equity Mortgage, LLC | 1 | — | 32 |
| 23 | FlexPoint, Inc. | 1 | — | 22 |
| 24 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 20 |
| 25 | American Heritage Lending, LLC | 1 | — | 12 |
| 26 | FAY SERVICING LLC | 1 | — | 2 |
| 27 | First Bridge Funding, Inc | 1 | — | — |
| 28 | Greenbox Loans Inc | 1 | — | — |
| 29 | Metropolitan Life Insurance Co | 1 | — | — |
| 30 | Mid Valley Services Inc | 1 | — | — |
| 31 | PrideCo Loans, Inc. | 1 | — | — |
DSCR / long-term rental lenders in Riverside 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
31 lenders reported short-term, business-purpose investment loans in Riverside County in 2024 verified lending records — 519 loans totaling $321.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Riverside County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.00% to 13.99%. 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.