Private & Hard Money Lenders in Santa Cruz County, CA
10 lenders funded 40 short-term investment-property loans in Santa Cruz County in 2024 at a median rate of 10.95%. Ranked by verified loan volume — not paid placement.
Santa Cruz County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Mackillie Inc | 10 | 11.00% | — |
| 2 | VAL-CHRIS INVESTMENTS INC. | 9 | 13.99% | — |
| 3 | Conventus Lending LLC | 6 | 10.50% | — |
| 4 | KIAVI FUNDING, INC. | 6 | 10.75% | — |
| 5 | North Coast Financial, Inc. | 4 | 10.95% | — |
| 6 | First Bridge Funding, Inc | 1 | — | — |
| 7 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 8 | Loan Funder LLC | 1 | — | — |
| 9 | Sundae Funding | 1 | — | — |
| 10 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Santa Cruz 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
10 lenders reported short-term, business-purpose investment loans in Santa Cruz County in 2024 verified lending records — 40 loans totaling $29.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Santa Cruz County's active lenders was 10.95% in 2024, with per-lender medians ranging from 10.50% 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.