Private & Hard Money Lenders in Sonoma County, CA
16 lenders funded 64 short-term investment-property loans in Sonoma County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Sonoma County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 13 | 10.45% | — |
| 2 | First Bridge Funding, Inc | 9 | 10.99% | — |
| 3 | Genesis Capital, LLC | 8 | 9.75% | — |
| 4 | First Bridge Funding, LLC | 7 | 10.99% | — |
| 5 | Conventus Lending LLC | 6 | 10.50% | — |
| 6 | Merchants Mortgage & Trust Corporation | 4 | 10.75% | — |
| 7 | Arixa Enhanced Income Fund, LP | 3 | 10.50% | — |
| 8 | Mackillie Inc | 3 | 11.25% | — |
| 9 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 10 | Sundae Funding | 2 | — | — |
| 11 | VAL-CHRIS INVESTMENTS INC. | 2 | — | — |
| 12 | Axos Bank | 1 | — | — |
| 13 | Easy Street Capital LLC | 1 | — | — |
| 14 | Equity Wave Lending, Inc. | 1 | — | — |
| 15 | Loan Funder LLC | 1 | — | — |
| 16 | Washington Trust Bank | 1 | — | — |
DSCR / long-term rental lenders in Sonoma 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
16 lenders reported short-term, business-purpose investment loans in Sonoma County in 2024 verified lending records — 64 loans totaling $68.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Sonoma County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.75% to 11.25%. 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.