GRO Los Angeles      Hard Money Real Estate

Fast. Flexible. Funding in 24-48 Hours

323-310-0936

Work with a Trusted Hard Money Lender in Los Angeles CA

At GRO Los Angeles Hard Money Real Estate, we understand that securing funding for your real estate projects can feel overwhelming. That is why we offer simple, fast, and reliable hard money lending solutions designed for real estate investors throughout Los Angeles and nearby cities.


Whether you are flipping a property, starting a new construction project, or refinancing an investment, our local team is here to get you funded quickly with flexible terms and personal support from start to finish.

Fast Approval

Equity Based

High Limits

Custom Lending Programs Backed by Real Estate Expertise

Fix & Flip | New Construction

Build wealth and grow your rental portfolio with our hard money loans for 1 to 4 unit properties. As a leading hard money lender in California, we offer long-term financing for landlords and real estate investors, with a seamless in-house process from underwriting to funding.

Get Flip Financing!

Rental Application

Grow your income with rental property financing built for investors. Our long-term program supports landlords seeking to expand their holdings with reliable funding based on property performance. We structure each loan to match your goals, using rental income and LTV ratios, not personal credit.

Explore Rentals!

Fix & Flip | New Construction Quote

Complete this form to receive a personalized quote for your short term investment project. Whether it’s a fix to rent, ground-up build, or bridge loan, we provide tailored options based on property value, exit strategy, and projected returns.

Start Building!

Rental DSCR Loan Quote

Complete this form to get a custom quote within 24 hours for your rental property. Whether you're purchasing, refinancing, doing a cash-out, or funding a short term rental, we offer solutions backed by rental income and property performance.

Apply Now!

Pre-Approval Application

Submit your pre-approval application today to secure faster service as you pursue new investment opportunities. It allows us to understand your lending goals and build your borrower profile. Pre-approval also gives you ongoing access to proof of funds letters, helping you close with confidence.

Get Pre-Approved!

Proof of Funds

Complete this form to request a proof of funds letter for your rental property. Whether you're preparing for a purchase, refinance, or short term rental deal, we assess your needs based on investment property value and cash flow. A quote will be sent within 24 hours.

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Answers to Common Lending and Property Questions

Got a question? We’re here to help.

  • What are the borrower tiers and how do they affect my loan terms?

    We categorize borrowers into four tiers based on the number of completed deals:


    We categorize borrowers into four tiers based on the number of completed deals:


    Bronze (1–2 deals): 10% LTV reduction (Max 80% LTV), rates from 12.99%–13.49%.


    Silver (3–4 deals): 5% LTV reduction (Max 85% LTV), rates from 11.99%–12.49%.


    Gold (5–9 deals): No LTV reduction (Up to 90% LTV), rates from 10.99%–11.49%. Includes advanced draws and access to GUC funds.


    Platinum (10+ deals): Same as Gold plus option for non-dutch fix and flip loans, rates from 10.49%–10.99%.


  • What are Advanced Draws?

    Advanced Draws allow you to access project funds quickly. Within 48–72 hours after closing, you'll be set up with a draw request portal via email. You can receive up to 15% of project funds upfront throughout the project.



  • What is an Interest Reserve?

    Permits are not required as long as you're not changing the floor plan or expanding the horizontal footprint.


    If you are doing either, please submit your track record, scope of work (SOW), and a completed loan application for underwriting review. This helps us determine eligibility and confirm whether draw schedules and leverage can remain intact.

  • Do I need permits for the project?

    Up to 90% purchase / 100% rehab


    Up to 93% Loan-to-Cost (LTC)


    Up to 75% After Repair Value (ARV)


    Interest Reserve included


    Advanced Draws approved within 48 hours of closing (up to 20% or $25,000, whichever is lower)


    Optional: Non-dutch interest available for Platinum borrowers (no advanced draws)



  • What are the maximum loan terms for Fix and Flip projects?

    Up to 90% purchase / 100% rehab


    Up to 93% Loan-to-Cost (LTC)


    Up to 75% After Repair Value (ARV)


    Interest Reserve included


    Advanced Draws approved within 48 hours of closing (up to 20% or $25,000, whichever is lower)


    Optional: Non-dutch interest available for Platinum borrowers (no advanced draws)

  • How does Ground-Up Construction financing work?

    Unpermitted land: Up to 65% LTV


    Permitted land: Up to 75% LTV


    Up to 93% LTC and 75% ARV


    Interest Reserve and standard draw processes apply

  • How do refinance seasoning requirements impact my leverage?

    Seasoning is based on how long you’ve owned the property:


    Less than 6 months: Qualifies for Delayed Purchase, up to 90% LTV


    6–12 months: Treated as rate-and-term or cash-out. Subject to original purchase price only.


    Silver Tier: 15% leverage deduction (Max 65% LTV)


    Gold/Platinum: 10% deduction (Max 80% LTV)


    Bronze: Not eligible


    12+ months: Uses new as-is value


    Same deductions apply


    Permitted work is required; otherwise, loan may be denied



  • When should I use a Delayed Purchase loan?

    Use this when you've paid all cash for a property and want to place financing on it within 6 months to recover equity. This allows up to 90% LTV without the need to season the loan for a full six months.



Our Services

Hard Money Lender Los Angeles - Facilitating real estate transactions with quick and flexible financing solutions.

Fix and Flip Loans

Unlock the potential of distressed properties with our fix and flip loans. Whether you're renovating a single-family home or a multi-unit building, our loans provide the capital needed for repairs and improvements, helping you maximize your return on investment.

Hard Money Lender Los Angeles - supporting real estate investors and developers with fast and flexible construction loans

Construction Loans

With our Construction Loans, builders and developers can confidently finance everything from residential homes to large-scale developments. These loans cover both hard and soft costs, making them perfect for new construction, additions, or major remodels. We help you keep your project on track from the foundation up.

Hard Money Lender Los Angeles - providing quick and reliable bridge loans for real estate investors seeking short-term financing solutions.

Bridge Loans

Bridge Loans offer short-term funding solutions that fill the gap between transactions. If you're selling one property and purchasing another, or waiting on permanent financing, our bridge loan program gives you fast access to capital with flexible terms that support your timeline and investment plan.

Hard Money Lender Los Angeles - A transaction is taking place between two individuals, where one is handing over a significant amount of money, likely cash, to another person in exchange for a model house.

Refinance Loans

Refinancing doesn’t have to be complicated. Our Refinance Loans help you reduce your interest rates, restructure payments, or tap into property equity. Whether you’re seeking better terms or stabilizing your portfolio, we tailor the refinance process to support your long-term real estate strategy.

Hard Money Lender Los Angeles - stunning view of tall commercial skyscrapers bathed in the warm glow of the setting sun.

Commercial Real Estate Loans

Grow your commercial portfolio with our Commercial Real Estate Loans, designed for properties like office buildings, warehouses, retail centers, and mixed-use spaces. We provide financing options that align with business cash flow, property performance, and overall asset value, helping you move forward with confidence.

Hard Money Lender Los Angeles - a real estate transaction where a professional is holding a set of keys, symbolizing property ownership or rental agreements.

Rental Property Loans

Our Rental Property Loans are ideal for landlords and real estate investors looking to expand or optimize their portfolios. Whether you’re purchasing new units or refinancing existing ones, we offer flexible funding based on rental income and asset value, supporting long-term wealth and passive cash flow.

We Serve All of Los Angeles County

Hard Money Lender Los Angeles offers flexible financing options tailored for real estate investors in the vibrant and ever-growing Los Angeles market.

Los Angeles

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Hard Money Lender Los Angeles-supports real estate investors seeking opportunities in diverse markets like Long Beach.

Long Beach

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Hard Money Lender Los Angeles offers quick financing solutions for real estate investors in thriving areas like Glendale.

Glendale

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Santa Clarita

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FIND YOUR CITY!

Why Real Estate Investors Choose Our Lending Services?

  • Local Expertise

    Our team of professionals brings years of experience in hard money lending and real estate financing. We have the knowledge and expertise to handle diverse lending scenarios and provide tailored solutions.

  • Direct Lender

    We prioritize your needs and work closely with you to ensure a smooth and successful lending experience. Your satisfaction and success are our top priorities.

  • Flexible Terms

    Our efficient approval process and quick turnaround times mean you won’t be left waiting. We understand the urgency of real estate investments and are committed to providing timely financing.

  • Transparency Pricing

    No hidden fees

Company Details and Business Hours

Business Address


GRO Los Angeles Hard Money Real Estate



323-310-0936

Business Hours


  • Monday : 8:00AM – 7:00PM
  • Tuesday : 8:00AM – 7:00PM
  • Wednesday : 8:00AM – 7:00PM
  • Thursday : 8:00AM – 7:00PM
  • Friday : 8:00AM – 7:00PM
  • Saturday : 8:00AM – 7:00PM
  • Sunday : Closed


Discover Los Angeles as a Growing Investment Market

Los Angeles, California, often referred to as the "City of Angels," is a sprawling metropolis and the second-most populous city in the United States. Located in Southern California, it is renowned for its cultural diversity, iconic landmarks, and thriving industries. The city covers approximately 469 square miles and is home to over 3.8 million residents.


.Geographically, Los Angeles is marked by its striking contrasts. It features stunning beaches along the Pacific Coast, such as Santa Monica and Venice Beach, juxtaposed with rugged mountains like the San Gabriel and Santa Monica ranges. The Los Angeles River winds through the city, contributing to its varied landscape.


.Culturally, Los Angeles is a melting pot of traditions, cuisines, and artistic expressions. Its neighborhoods, from Koreatown and Little Tokyo to Boyle Heights and Westwood, reflect a rich tapestry of ethnic communities. The city's cultural landmarks, including the Getty Center, Walt Disney Concert Hall, and the Los Angeles County Museum of Art, showcase its commitment to the arts.


.Economically, Los Angeles thrives on a mix of industries including entertainment, technology, international trade, and aerospace. The Port of Los Angeles, one of the busiest in the world, underscores its importance as a trade hub. The city is also at the forefront of innovation, with Silicon Beach hosting a growing number of tech startups.

Top Neighborhoods for Real Estate Investment in Los Angeles

Client Reviews from Local Real Estate Borrowers

-Sarah M.

"GRO Los Angeles Hard Money Real Estate was a lifesaver for my fix-and-flip project. Their quick approval process and flexible terms made all the difference in getting the job done on time.”

-David R.

“I was impressed by the professionalism and expertise of the team at GRO Los Angeles Hard Money Real Estate. Their support during my construction project was invaluable, and they helped me navigate the process seamlessly.”

-Emily K.

“The bridge loan I received from GRO Los Angeles Hard Money Real Estate helped me secure my new property while I was waiting to sell my old one. Great service, fast turnaround, and a smooth experience overall!”

Ready to Move Faster Than Traditional Lenders?

Call (323) 310 0936 or apply today. We are available for weekend and evening appointments.