Providing California real estate loan brokers, as well as investors in real property, an in-house private money lending source for equity (hard money) loans.

  1. Loan rates, fees, terms and conditions are dynamic and can change. So it is always best to call us for current quotes.
  2. Collateral offered and loan to value relationships must be considered.
  3. Current quotes on interest rates have ranged from 7.50% to 8.75% with interest only payments. The interest rate is fixed for the term of the loan.
  4. Licensed California Real Estate Loan Brokers will add their charges to those of Saratoga Capital, Inc. as negotiated with your client.
  5. Appraisal, escrow and other generally incurred fees are paid by the borrower.

Fixed Rate* : 8 %
Pre-Payment Penalty: 12 months
Term: 36 months
* 3 year maturity, interest only payments.

  • Purpose. Refinance, acquisition, property improvements, cash out. Loan made for business purposes only.
  • 70% Maximum Loan(s) to value. Our loan including senior debt.
  • 1st and 2nd Loans. We’ll lend behind large senior loans.
  • Security may include multiple properties.
  • Commercial Loan Package Requisites. Appraisal, business loan application, preliminary title, inc.-exp. history.
  • We Lend on Equity. Determined by independent fee appraiser combined with our in-house analysis.


  • Hard money Santa Clara
  • Hard money Orange County
  • Hard money San Francisco
  • Hard money San Jose


  • Hard money Huntington Beach
  • Hard money Santa Ana
  • Hard money Fremont
  • Hard money San Leandro
  • Hard money Napa
  • Hard money Santa Cruz
  • Hard money Mt. View
  • Hard money Los Gatos