Private & Hard Money Lenders in San Francisco County, CA
23 lenders funded 130 short-term investment-property loans in San Francisco County in 2024 at a median rate of 10.49%. Ranked by verified loan volume — not paid placement.
San Francisco County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Conventus Lending LLC | 47 | 10.49% | — |
| 2 | KIAVI FUNDING, INC. | 23 | 10.25% | — |
| 3 | First Bridge Funding, Inc | 13 | 9.99% | — |
| 4 | Loan Funder LLC | 12 | 10.50% | — |
| 5 | VELOCITY COMMERCIAL CAPITAL LLC | 5 | 10.24% | 4 |
| 6 | Genesis Capital, LLC | 4 | 9.01% | — |
| 7 | VAL-CHRIS INVESTMENTS INC. | 4 | 13.99% | — |
| 8 | Mackillie Inc | 3 | 11.00% | — |
| 9 | Merchants Mortgage & Trust Corporation | 3 | 10.50% | — |
| 10 | Arixa Enhanced Income Fund, LP | 2 | — | — |
| 11 | First Bridge Funding, LLC | 2 | — | — |
| 12 | Change Lending, LLC | 1 | — | 16 |
| 13 | Mechanics Bank | 1 | — | 6 |
| 14 | Abundance 99, Inc. | 1 | — | — |
| 15 | Arixa Secured Income Fund, LLC | 1 | — | — |
| 16 | Dominion Financial Services, LLC | 1 | — | — |
| 17 | Equity Wave Lending, Inc. | 1 | — | — |
| 18 | Insignia Capital Corp. | 1 | — | — |
| 19 | LANTZMAN MANAGEMENT INC | 1 | — | — |
| 20 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 21 | Mortgage Vintage, Inc. | 1 | — | — |
| 22 | North Coast Financial, Inc. | 1 | — | — |
| 23 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in San Francisco 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
23 lenders reported short-term, business-purpose investment loans in San Francisco County in 2024 verified lending records — 130 loans totaling $168.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across San Francisco County's active lenders was 10.49% in 2024, with per-lender medians ranging from 9.01% 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.