Hard Money Lender — Orange County
Orange County Deals Move Fast. We Move Faster.
High values, tight inventory, and buyers with real money — Orange County is one of the most competitive real estate markets in America. Winning here means closing power, and that's exactly what direct private capital delivers.
From flips in Anaheim's older tracts to bridge loans on coastal assets, we fund OC deals from $50K to $5M in as few as 7 days.
Why CDF in Orange County
A Direct Lender That Knows Orange County
Orange County's housing stock tells an investor story in two acts: postwar tract neighborhoods in Anaheim, Garden Grove, and Santa Ana that reward smart renovation, and coastal communities where values support substantial bridge and construction lending. We've financed both since 2009 — from our base just up the 57 in West Covina.
OC is also entrepreneur country. Business owners, contractors, and self-employed professionals dominate this county — exactly the borrowers whose optimized tax returns make banks flinch. Our asset-based underwriting was built for them: no tax returns, bank statement programs, and answers in 24 hours.
Every Program. Every City.
- Closings in as few as 7 business days
- Loan amounts from $50K to $5M
- Asset-based underwriting — no credit minimums
- No tax returns required
- Direct decisions from the people funding the loan
- 24-hour response on every inquiry
Orange County Lending
What We Fund in Orange County
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
Tract Home Flips
The older neighborhoods of Anaheim, Santa Ana, Fullerton, and Garden Grove are renovation goldmines. Up to 75% ARV with rehab draws keeps your capital ready for the next one.
Coastal Bridge Loans
Newport Beach, Huntington Beach, Laguna — high-value properties where a bridge loan secures the next acquisition before the current asset sells. Up to $5M, cross-collateralization available.
Business-Owner Financing
OC runs on small business. When your income is real but your tax return is optimized, we underwrite the property instead — no tax returns required.
ADU & Backyard Development
Orange County homeowners are adding units for rental income and family housing. Our ADU program funds 75–85% of cost with milestone-based draws.
1031 Exchange Deadlines
OC investors trading up face brutal exchange timelines in a market this competitive. We close inside the window and keep the tax deferral intact.
Estate & Trust Properties
Long-held OC family properties moving through probate or trust administration — we fund buyouts, settlements, and pre-sale preparation with court-aware structuring.
Loan Programs
Every CDF Program, Available in Orange County
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in Orange County
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
Orange County Lending FAQs
Do you lend throughout Orange County?
Yes — every city from La Habra to San Clemente, coastal and inland alike. Orange County is one of our five core counties and minutes from our LA County headquarters.
What's the maximum loan amount in Orange County?
Up to $5M on bridge and construction loans — a range that matters in OC, where coastal values routinely exceed what smaller private lenders can fund.
Can self-employed OC business owners qualify?
That's one of our core specializations. No tax returns required — we underwrite the property and the deal, with bank statement programs available when cash-flow documentation helps.
How fast can you fund an Orange County deal?
As few as 7 business days from completed application, with preliminary terms within 24 hours of your first call to (626) 796-1680.
More Service Areas
Lending Across Southern California
Have a Orange County Deal? Let's Talk.
One call gets you a straight answer and preliminary terms within 24 hours — from a direct lender that's been funding Orange County real estate since 2009.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831