When the deal can't wait, hard money gets it done.
Asset-based lending secured by the property. Closes in days, for a purchase or a refinance.
Fund My Deal
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
60 seconds · no hard credit pull · never sold
- Close in days, not months.
- Asset-first underwriting: credit flexible.
- Investment properties in all 35 states + D.C. where Arran is licensed; primary homes in CA, OR & WA only.
- Refinances up to 70% of the property's value.
- Purchases: 10% down at 700+ credit, 15% down below 700.
- Loans from $75,000 to $5,000,000.
- No income documentation.
- For time-critical purchases and equity-rich refinances.
Rather just talk? Call or text us at (949) 401-7593
Days
Not months, to close
Asset
Based underwriting
$75K–$5M
Loan amounts
70%
Max loan-to-value, refinance
10%
Down at 700+ credit
Terms depend on the property's value, your equity and the exit plan.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- Investment properties anywhere in the 35 states + D.C. where Arran is licensed
- Primary homes in CA, OR & WA
- Refinances up to 70% of value
- Purchases with 10% down at 700+ credit (15% below 700)
- Loans from $75,000 to $5,000,000
We're not the right fit for:
- Primary homes outside CA, OR & WA (a HELOC may fit)
- Refinances above 70% of value
- Purchases with less than 10% down
- Loans under $75,000
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Speed is the product. The asset is the qualification.
For deals where timing and structure matter more than paperwork.
Good Fit If
The deal is real and the clock is ticking.
- A time-critical purchase
- An equity-rich refinance a bank won't touch
- A unique property that needs a human underwrite
- A clear exit: sale, refinance or payoff
What You Skip
Everything that makes banks slow.
- No income documentation
- No perfect-credit requirement
- No committee timelines
- No red tape
Calculator
Loan Calculator
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Loan Term
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Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
FAQ
Frequently Asked Questions
Common questions about Hard Money Loan loans.
Get Started Today
Ready to explore Hard Money Loan?
Answer a few quick questions and get a personalized strategy recommendation, including whether Hard Money is right for your situation.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
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