Hard Money Lender — Los Angeles
Los Angeles Is Our Backyard. Literally.
Capital Direct Funding is headquartered in West Covina — we've been lending our own capital across Los Angeles County since 2009. When you call, you're talking to decision-makers who drive these streets, not a national call center reading a script.
Fix & flip, bridge, construction, probate, foreclosure recovery, and cash-out loans from $50K to $5M, closing in as few as 7 days.
Why CDF in Los Angeles
A Direct Lender That Knows Los Angeles County
Los Angeles rewards investors who move fast and punishes everyone else. Whether it's a mid-century flip in Highland Park, a probate property working through the Stanley Mosk Courthouse, a teardown-rebuild in the Valley, or an ADU project unlocking rental income in a backyard — the winning bid is almost always the one that can actually close.
That's the entire reason CDF exists. We underwrite LA deals from LA, we know the difference between a Watts comp and a West Adams comp, and we've funded over $200M across 500+ California transactions. When your deal needs a lender who understands this county's speed, courts, and construction reality — that's us.
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
Los Angeles Lending
What We Fund in Los Angeles County
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
Flips Across Every Submarket
From entry-level rehabs in Palmdale to seven-figure projects on the Westside, we fund up to 75% ARV with rehab draws — and we know LA comps block by block.
Probate & Estate Properties
LA County runs one of the busiest probate systems in the country. We've funded estate transactions for years — court confirmation timelines, administrator authority, attorney coordination and all.
The ADU Boom
LA leads California in ADU construction, and we built a dedicated program for it: 75–85% LTC with milestone draws for detached units, garage conversions, and JADUs.
Entertainment & Gig Economy Borrowers
Producers, performers, freelancers, business owners — LA runs on 1099 income that banks can't underwrite. No tax returns required; the property qualifies, not the pay stub.
Foreclosure Intervention
When a trustee sale date is looming anywhere in LA County, we move on foreclosure timelines — paying off the foreclosing lender and giving owners room to recover.
Small Multifamily & Infill
Duplexes to small apartment buildings, infill lots, teardown-rebuilds — the projects that pencil in LA but confuse conventional construction desks.
Loan Programs
Every CDF Program, Available in Los Angeles
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in Los Angeles County
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
Los Angeles Lending FAQs
Are you actually located in Los Angeles County?
Yes — our office is at 100 N Citrus St, Suite 530, West Covina, CA 91791. We've been headquartered in LA County since Frank Williams founded the company in 2009.
How fast can you close a hard money loan in Los Angeles?
In as few as 7 business days from completed application. Local underwriting means no waiting on an out-of-state committee to understand an LA deal.
What loan types do you offer in Los Angeles?
All eight programs: fix & flip, bridge, ground-up construction, cash-out refinance, probate & estate, foreclosure & bankruptcy recovery, self-employed solutions, and ADU construction — from $50K to $5M.
Do you lend in every part of LA County?
Yes — from the Antelope Valley to the South Bay, San Fernando Valley to the San Gabriel Valley. If it's LA County real estate with a sound deal behind it, we'll look at it.
More Service Areas
Lending Across Southern California
Have a Los Angeles 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