Private & Hard Money Lenders in San Bernardino County, CA
26 lenders funded 572 short-term investment-property loans in San Bernardino County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
San Bernardino County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 243 | 10.75% | 8 |
| 2 | Merchants Mortgage & Trust Corporation | 63 | 10.00% | — |
| 3 | VAL-CHRIS INVESTMENTS INC. | 62 | 13.50% | 8 |
| 4 | Easy Street Capital LLC | 50 | 10.63% | — |
| 5 | Genesis Capital, LLC | 36 | 8.95% | — |
| 6 | Sundae Funding | 23 | 10.25% | — |
| 7 | Loan Funder LLC | 21 | 10.75% | 6 |
| 8 | Conventus Lending LLC | 19 | 10.25% | — |
| 9 | Equity Wave Lending, Inc. | 12 | 12.50% | — |
| 10 | Insignia Capital Corp. | 7 | 11.25% | — |
| 11 | American Heritage Lending, LLC | 5 | 11.50% | 9 |
| 12 | VELOCITY COMMERCIAL CAPITAL LLC | 4 | 10.74% | 13 |
| 13 | LendingOne LLC | 4 | 9.49% | — |
| 14 | Commercial Loan Corporation | 3 | 11.99% | — |
| 15 | Mackillie Inc | 3 | 11.00% | — |
| 16 | Mortgage Vintage, Inc. | 3 | 14.50% | — |
| 17 | Temple View Capital Funding LP | 3 | 11.00% | — |
| 18 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 19 | North Coast Financial, Inc. | 2 | — | — |
| 20 | Change Lending, LLC | 1 | — | 25 |
| 21 | Axos Bank | 1 | — | 1 |
| 22 | Archwest Funding | 1 | — | — |
| 23 | ARROWHEAD CENTRAL CREDIT UNION | 1 | — | — |
| 24 | Churchill Funding I LLC | 1 | — | — |
| 25 | ROYAL BUSINESS BANK | 1 | — | — |
| 26 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in San Bernardino 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
26 lenders reported short-term, business-purpose investment loans in San Bernardino County in 2024 verified lending records — 572 loans totaling $225.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across San Bernardino County's active lenders was 10.75% in 2024, with per-lender medians ranging from 8.95% to 14.50%. 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.