Hard Money Lender — Covina
The Direct Lender Next Door to Covina.
Our headquarters sits on Citrus in West Covina, minutes from downtown Covina. Before your escrow officer has finished her coffee, we can have eyes on your property — no regional office, no out-of-state committee, just the people who fund the loan, one town over.
Fix & flip, bridge, construction, ADU, probate, foreclosure recovery, and cash-out loans from $50K to $5M across the East San Gabriel Valley — closing in as few as 7 days.
Why CDF in Covina
A Direct Lender That Knows the East San Gabriel Valley
Covina is one of those markets that outsiders lump into greater LA and locals know street by street: the bungalows and cottages around the walkable downtown, postwar tracts south of Badillo, Charter Oak's larger lots, the newer hillside stock toward Covina Hills. We know the difference because we live and work here — Covina borders our home city, and plenty of our team's daily errands run straight up Citrus.
That proximity is worth real money on a deal. When a lender can drive a property in ten minutes, underwriting stops being a photo-and-spreadsheet exercise. We've deployed over $200M across 500+ California transactions, and the East SGV playbook is our bread and butter — buy the dated tract home, renovate to today's buyer, or hold it and add a backyard unit on one of these generous lots.
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
Covina Lending
What We Fund in the East San Gabriel Valley
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
Bungalow & Tract Rehabs
From downtown-adjacent cottages to postwar tracts, Covina's stock rewards clean, fast renovations. We fund up to 75% ARV with rehab draws and can walk the property before most lenders return the first call.
Deep-Lot ADUs
Covina and Charter Oak lots often have the depth ADU projects need. Our dedicated program runs 75–85% LTC with milestone draws for detached units, garage conversions, and JADUs.
Probate & Estate Property
Long-tenure ownership produces a steady flow of estate transactions here. We've funded probate deals for years — court confirmation timelines, administrator authority, attorney coordination included.
Self-Employed & Trades
Contractors, shop owners, and operators whose tax returns understate real cash flow. No tax returns required — the property qualifies, not the paperwork.
Foreclosure Intervention
When a trustee sale is on the calendar, we move on foreclosure timelines — paying off the foreclosing lender and buying the owner room to sell or refinance deliberately.
Downtown & Small Multifamily
Duplexes, fourplexes, and the small mixed-use buildings around downtown Covina — local-scale projects that pencil but confuse conventional lending desks.
Loan Programs
Every CDF Program, Available in Covina
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in the East San Gabriel Valley
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
Covina Lending FAQs
How close is your office to Covina?
Our headquarters is at 100 N Citrus St, Suite 530, West Covina, CA 91791 — minutes from downtown Covina. We're not a national lender with a Covina landing page; this is our neighborhood, and you're welcome to walk a deal into the office.
How fast can you close a hard money loan in Covina?
In as few as 7 business days from a completed application. Underwriting, doc prep, and funding all happen in our West Covina office, and being able to see the property same-week keeps files moving.
Do you lend on a home the owner lives in?
Our loans are business-purpose loans secured by California real estate — investment property, commercial buildings, and business-purpose transactions. Call (626) 796-1680 and we'll tell you in one conversation whether your scenario fits.
What are your terms in the East San Gabriel Valley?
$50,000 to $5,000,000 secured by a first trust deed, typically at or below 70% loan-to-value, with all eight programs available — fix & flip up to 75% ARV, bridge, construction, cash-out, probate, foreclosure recovery, self-employed, and ADU construction.
More Service Areas
Lending Across Southern California
Have a Covina 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 Los Angeles 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