Hard Money Lender — San Bernardino
San Bernardino County: Big County, Bigger Opportunity.
The largest county in the continental U.S. runs from the logistics powerhouse of the West Valley to High Desert communities where entry prices let new investors actually get started. We fund deals across all of it.
Direct private capital for flips, construction, bridge, and cash-out scenarios — $50K to $5M, closing in as few as 7 days.
Why CDF in San Bernardino
A Direct Lender That Knows San Bernardino County
San Bernardino County's West Valley — Rancho Cucamonga, Ontario, Fontana, Chino — sits at the center of Southern California's logistics economy, with the housing demand that follows the jobs. Head up the Cajon Pass and the High Desert offers some of the region's most accessible price points: Victorville, Hesperia, and Apple Valley are where renovation margins still work for investors building their first portfolio.
We've lent across San Bernardino County since 2009 — it's one of our five core counties and borders our home base in the San Gabriel Valley. Same model everywhere: our own capital, asset-based underwriting, no credit score minimums, 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
San Bernardino Lending
What We Fund in San Bernardino County
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
West Valley Flips
Fontana, Rialto, San Bernardino, Colton — steady renovation inventory near the logistics job base. Up to 75% ARV with rehab draws included.
High Desert Entry Points
Victorville, Hesperia, Apple Valley — accessible price points where newer investors can build a track record. We underwrite the deal, not your résumé.
Logistics-Corridor Housing
Ontario, Chino, Rancho Cucamonga — housing demand follows warehouse jobs. Construction and bridge capital for investors serving the corridor's growth.
Mountain & Resort Properties
Lake Arrowhead, Big Bear — cabin renovations and short-term-rental repositioning in the mountain communities. Unconventional properties are our comfort zone.
Ground-Up on Real Land
One of the few SoCal counties with genuine buildable land. Lot acquisition plus construction in one facility, up to 65% of completed value.
Foreclosure & Recovery Lending
When a trustee sale looms anywhere in the county, we move on foreclosure timelines — no credit minimums, asset-based decisions, fast payoffs.
Loan Programs
Every CDF Program, Available in San Bernardino
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in San Bernardino County
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
San Bernardino Lending FAQs
Do you lend in the High Desert?
Yes — Victorville, Hesperia, Apple Valley, and the surrounding communities. The accessible price points make the High Desert a strong market for investors building a portfolio.
Do you fund mountain and cabin properties?
Yes — Lake Arrowhead, Big Bear, and the mountain communities. Unconventional properties that make banks nervous are core private-lending territory.
What are your terms for San Bernardino County flips?
Up to 75% ARV, rates from 9.99%, terms 6–18 months, $100K–$3M, with rehab draws and no prepayment penalty.
How close are you to San Bernardino County?
Our West Covina headquarters sits minutes from the county line — San Bernardino is one of our five core counties, and we've lent here since 2009.
More Service Areas
Lending Across Southern California
Have a San Bernardino 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 San Bernardino 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