Santa Clara hard money lenders

Get funding for your next project from a top hard money lending institute.

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Considering a hard money loan?

We help real estate investors get hard money/private money loans for their next project. Money and finances should never be the obstacle that stops you from succeeding. We regularly help entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.

At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity – and how we can help you capitalize on it. For years, our team members have been helping people capitalize on opportunities using hard money loans, private loans, reverse mergers, other financial vehicles.

  • High LTV

    We fund loans up to 80-90% LTV. We look at the value of your property, and your overall business plan when deciding whether to fund you.

  • Fast

    We realize deals can disappear if you don't have fast funding. We promise to treat you like a partner, and work fast to help you get funding.

  • No $ Limit

    We're a growth focused private money lender. That means we work fast to fund your deal, and there's no limits on what we can do for you.

Do you need a loan for real estate projects?

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Recently Funded Projects

Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

Raised APR ARV
$830,000 8.99% 75%

Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

Raised APR ARV
$1,200,000 11% 82%

Allen Park, MI Rehab

On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire.

Raised APR ARV
$135,000 9.0% 63%

Santa Clara hard money lenders

Getting a mortgage from a traditional lender can be a huge pain,particularly when you have a poor credit history. With a very low credit score, it could take you weeks or even months to be approved for mortgage. It isn’t important that sometimes you are in dire need of quick funding. Hard money lenders, on the other hand, consider the collateral you are giving up rather than your ability to pay the loan back. Hard money loans are usually intended to help companies with funding or buy a land. In the event you neglect to pay back the money lent to you, the the private lender who gave you the money can seize the collateral and sell it to receive their funds.

Santa Clara Hard money loans are most suitable and valuable to investors who want to renovate or improve a property property before selling it at a higher cost. The investors generate an ROI and repay the borrowed cash within a short period of time.

Santa Clara Hard money loans, like any other product, come with its own benefits and pitfalls. This article discusses a few of the advantages and disadvantages of hard money loans.


Santa Clara Hard money lenders are not worried about your credit rating. Hard money lenders are more worried about the security and will process your loan fast if your collateral justifies the loan. It’s important to note that hard money lenders aren’t necessarily interested in taking possession of your property. They’re fast because they spend less time verifying your income, bank statement, and other specifics. They only worry about the potential value of your property.


Unlike the traditional loans, Santa Clara hard money loans agreements and provisions are flexible. Instead of dealing with a huge corporation, you will be talking to an individual who’s willing to help you design the best repayment program. They don’t follow or set standardized guidelines when setting up your loan repayment schedule.


When it comes to borrowing a Santa Clara hard money loan, the creditor is more focused on security. If you want to invest in real estate, the lender will provide you a loan value as much as the home. In case you have other assets to put up as collateral, the lender will also consider its worth before approving your loan.

If you have any issues with your credit history, then it won’t be that important. Some lenders don’t even consider your credit rating.

In terms of loan-to-value ratios, hard money lenders keep them to the minimum with the maximum being between 50 and 70 percent. They do so to give themselves a better prospect of getting their money back if they have to market the property after your inability to pay the loan.


It is possible to apply and receive a Santa Clara hard money loan in a matter of weeks. This is valuable, especially to borrowers looking to invest in mortgages. The investor will not wait too long to get the money he or she needs to pay off a hot potential deal. Conventional loans demand a much longer process and require time to be accepted.

Cons of Santa Clara Hard Money Loans

Repayment period

Contrary to the traditional loans that take longer to be paid, hard money loans are made as a short term lending tool. This usually means that you need to repay the loan in the shortest time possible prior to the creditors repossess your house. If you don’t fulfill this condition, the lending institution will take the property into the market to attempt to get back their cash.

Increased expenses

Compared to the usual loans, hard money loans tend to be more expensive. In addition to the loan origination, you will also pay servicing and closing expenses. If you take a hard money loan on a mortgage, it can cost you 10% more than it might have on the standard loans. Needless to say, hard money loans are considerably convenient.

The rate of interest for repaying the hard money loan can also be high because the creditors are facing higher risks when lending you the loan. The interest rates usually range between 9 and 14 percent.

Requirement of Equity

Before giving you a hard money loan, lenders ask that you give a down payment of up to 25-30 percent. This can be supposed to act as an incentive to motivate you to adhere to the arrangement. This is only because they attempt as far as possible to keep you interested in paying their money back. Additionally, it helps the creditor to tie you to the contract even when you realize you are making a loss.

Before committing to a hard money loan, you must first assess all of the available lenders, their prices, and conditions. It’s also wise to consider the benefits and drawbacks of hard money loans before applying for one.

Do you need a loan for real estate projects?

Getting Started Is Simple & Easy
  • Contact us regarding your opportunity
  • We’ll reach out to you, and discuss the specifics
  • We finalize the transaction and help you
Get pre-qualified for a potential investment
  • Get pre-qualified for your next real estate purchase
  • Risk free – with no credit check, or any commitments

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