GRO Los Angeles      Hard Money Real Estate

Fast. Flexible. Funding in 24-48 Hours

323-310-0936

No obligation. Fast approvals.

Licensed and Operating in California

Licensed and compliant with California lending regulations.

Fast, Local Hard Money Lending in Los Angeles

At GRO Los Angeles Hard Money Real Estate, we help real estate investors secure fast, reliable funding without unnecessary delays. Our process is straightforward and focused on the deal, not endless paperwork.


Whether you are flipping a property, starting a new construction project, or refinancing an investment, our local team works quickly to deliver flexible terms and clear communication from start to finish.

Built for Speed and Real Deals

Fast Approval

Get quick decisions without long underwriting or delays.

Equity Based

We focus on property value, not personal income.

High Limits

Access larger loan amounts for serious investment projects.

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 types of hard money loans does GRO Los Angeles Hard Money Real Estate offer?

    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%.


  • How fast can I get funded with a hard money loan?

    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.



  • Do you lend to real estate investors with limited credit history?

    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.

  • What makes GRO Los Angeles Hard Money Real Estate different from traditional lenders?

    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)



  • Who typically works with GRO Los Angeles Hard Money Real Estate?

    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)

  • Is GRO Los Angeles Hard Money Real Estate a local lender?

    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

  • What areas does GRO Los Angeles Hard Money Real Estate serve?

    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



  • Do you provide hard money loans for properties in Los Angeles and nearby cities?

    Yes. We actively fund residential, rental, and commercial properties across Los Angeles and surrounding markets, offering localized expertise and fast lending decisions based on neighborhood trends and property value.


  • Can I get a hard money loan outside of downtown Los Angeles?

    Absolutely. We finance properties across multiple cities and suburbs throughout the region, making it easy for investors to secure funding whether the property is in Santa Monica, Pasadena, Long Beach, or other nearby markets.

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Our Services

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

Short-term funding for purchase and renovation projects. Ideal for investors looking to improve distressed properties and resell quickly.

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

Financing for ground-up construction and major renovation projects. Covers hard and soft costs to keep your build moving on schedule.

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

Fast capital to bridge timing gaps between transactions or permanent financing. Designed to support quick closings and flexible exits.

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.

Restructure existing loans, access equity, or secure better terms. Built to help stabilize and grow your portfolio.

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

Financing for office, retail, mixed-use, and other commercial assets. Terms aligned with property performance and cash flow.

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

Funding for income-producing residential properties. Supports long-term rentals based on asset value and rental income.

We Serve All of Los Angeles County

We provide hard money lending across Los Angeles County for investors, builders, and property owners.

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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Hard Money Lender Los Angeles - Residential neighborhood at dusk with a view of suburban houses, winding roads, and hills under a colorful sunset sky.

Santa Clarita

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Full Service Area
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Why Real Estate Investors Choose GRO Los Angeles

  • Local Expertise

    We know Los Angeles markets block by block. That local insight helps us move faster and structure deals that actually work.

  • Direct Lending

    No brokers. No middlemen. You work directly with the lender, which means faster decisions and fewer surprises.

  • Flexible Terms

    Every deal is different. We tailor loan terms based on the property, timeline, and exit strategy.

  • Transparent Pricing

    Clear terms. No hidden fees. You know exactly what to expect before moving forward.

Contact & Business Hours

Business Address


GRO Los Angeles Hard Money Real Estate


Service Areas:

Los Angeles, Long Beach, Glendale
Santa Clarita, Pasadena


323-310-0936

Call for fast loan decisions.

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


Why Los Angeles Is a Strong Market for Real Estate Investment

A Market Built for Long-Term Investors

Los Angeles remains one of the strongest real estate markets in the United States, supported by steady population demand, diverse neighborhoods, and limited housing supply. As the nation’s second-largest city, it continues to attract investors focused on long-term value, rental income, and redevelopment opportunities across both residential and commercial properties.


From coastal communities to dense urban corridors, Los Angeles offers a wide range of investment options. This diversity supports fix-and-flip projects, rental portfolios, and value-add strategies throughout Los Angeles County, helping investors stay resilient even during market shifts.

Top Neighborhoods for Real Estate Investment in Los Angeles

Each area offers different opportunities for rentals, fix-and-flip, and long-term holds.

Client Reviews from Local Real Estate Borrowers

Trusted by real estate investors across Los Angeles

Sarah M.

Verified Client

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.

Verified Client

I was impressed by the professionalism and experience with GRO Los Angeles Hard Money Real Estate. The team supported me throughout my construction project and helped me navigate the process smoothly.

Emily K.

Verified Client

The bridge loan I received from GRO Los Angeles Hard Money Real Estate  helped me secure a new property while waiting to sell my old one. Fast turnaround, clear communication, and a smooth experience overall.

Ready to Move Faster Than Traditional Lenders?

Ready to fund your next real estate deal? GRO Los Angeles Hard Money Real Estate provides fast, flexible financing for fix and flip projects, rental properties, and commercial investments across Los Angeles County.


With a streamlined approval process and investor-friendly terms, we help you move quickly when the right opportunity appears.