San Diego Hard Money Lender

TGP Funding is a San Diego hard money lender specializing in commercial transactions and quick close scenarios. TGP Funding can fund hard money loans within four to ten days typically.

Alternative Financing Options With TGP Funding

  • Direct Lender
  • Pre-approval in 24-48 hours
  • Typical funding in four to ten days
  • Loan amounts up to $10 million

Purchase | Refinance | Cash-Out | Renovation | Flips

certified direct hard money lender

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How do hard money loans work?

A hard money loan is simply a short-term loan secured by real estate. Unlike traditional lending institutions, San Diego hard money lenders are mainly concerned with the equity in the property and the location as opposed to a borrower’s credit score and financials. A major benefit to securing a hard money loan is the ability to close quickly. Most hard money loans take about five to seven days. TGP Funding can typically fund hard money loans in about four to ten days on average.

A large majority of our loan portfolio is here in San Diego. TGP Funding is experienced in the many neighborhoods within San Diego county and can provide quick loan decisions for our borrowers.

What does hard money lender mean?

Hard money is a way to borrow without using traditional financing options such as a bank loan. A San Diego hard money lender is typically an individual investor who invests in notes, or a private mortgage fund such as TGP Funding.

Do hard money lenders require down payment?

Yes, many hard money lenders DO require a down payment. They’ll also look at experience, and maybe a few other factors. The lower the LTV, the stronger the deal and you may get more favorable terms. Down payments for hard money loans typically range from 20% to 40%. San Diego hard money lenders such as TGP Funding may also cross-collateralize other properties owned by the borrower with equity if available.

Are hard money loans a good idea?

Hard money loans make sense in many situations. You cannot compare a bank loan to a hard money loan. For starters, they are typically interest-only payments. Also, hard money loans are typically meant as bridge financing. Most hard money loans are made for 12-24 months. They are meant as a short-term solution while the borrower secures long term financing or completed their business objective. Hard money loans are a good fit for wealthy investors who need to get funding for an investment property quickly, without any of the red tape that goes along with bank financing.

If you are considering working with a San Diego hard money lender, TGP Funding can provide more clarity on how hard money loans work.

San Diego hard money lender
San Diego hard money lender
San Diego hard money lender
San Diego hard money lender

What Our Borrowers Are Saying About Us

San Diego Hard Money Lender

  • Great folks! I highly recommend using TGP Funding. Their services, rates, and ability to close a deal is the... read more

    David E.
    2/06/2020

    TGP funding is a highly professional company that treats their clients very well and presents clear and easy options for... read more

    Greg C.
    1/06/2020

    Great hard money lender to work with! The TGP Funding Team made the process very simple and straightforward. I would... read more

    Anthony A.
    1/06/2020
  • TGP funding is very reliable, honest, and professional. I highly recommend them!

    Jeff P.
    1/06/2020

    The team at TGP Funding is great to work with, they are fast and professional. They take pride in customer... read more

    Jennifer N.
    1/06/2020

    TGP Funding did a phenomenal job handling our transaction. They were very easy to work with and did just what... read more

    Mikaela H.
    1/06/2020
  • Thank you TGP Funding for always providing an amazing quick and convenient experience. TGP Funding is our go to lender.... read more

    Josie D.
    1/06/2020

    Great service by the team at TGP Funding. They provide very competitive rates with very reasonable charges when it comes... read more

    Kaitlyn Z.
    2/06/2020

    TGP Funding is a very reputable San Diego hard money lender. The integrity of the entire company is professional,... read more

    Matthew J.
    1/06/2020
  • TGP Funding is amazing at what they do! They were all very friendly and understanding. They helped me out so... read more

    Jennifer B.
    1/06/2020

    Wow TGP Funding made my process easy and painless. I felt that they were upfront with what they needed... read more

    rey r.
    1/06/2020

    TGP Funding is professional, transparent, and honest. I've recommended them to multiple friends and family members, and all have experienced... read more

    Dan P.
    1/06/2020
  • Angela at TGP Funding is the absolute best ever! She is organized and efficient and she closed my loan... read more

    Brittny S.
    1/06/2020
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Recently Funded Loans

Hover over image to see loan details

MANHATTAN BEACH, CA

Loan Amount: $1,000,000
Loan Type: Mezz
Property Type: Single Family
Loan-To-Value: 64%
Term: 11 Months

WESTCHESTER, NY

Loan Amount: $1,250,000
Loan Type: Refinance
Property Type: Single Family
Loan-To-Value: 52%
Term: 12 Months

NEWPORT BEACH, CA

Loan Amount: $1,330,000
Loan Type: Purchase
Property Type: Single Family
Loan-To-Value: 70%
Term: 24 Months

Why work with TGP Funding?

Integrity and transparency are core concepts we believe in at TGP Funding. Here are a few reasons our borrowers prefer to work with us.

TGP Funding

Most Traditional Banks

We focus on property value, not credit score
We can fund loans in 4-10 days
We can cross-collateralize properties
Our Pre-approvals do not require credit checks

Get Started Today.

TGP Funding can normally make a decision on loans within about 24 hours. Start your application now and find out if you are eligible for a hard money loan with TGP Funding. If you receive a term sheet, we can usually fund loans in about 4-10 days.

Get Your Loan Reviewed

rates starting at 7.50%

A San Diego Hard Money Lender Can Help You Finance Your Next Real Estate Investment

San Diego is a city on the Pacific coast of California known for its beaches, parks and warm climate. Immense Balboa Park is the site of the renowned San Diego Zoo, as well as numerous art galleries, artist studios, museums and gardens. 

San Diego has shown incredible job growth in the past few years. San Diego payrolls increased by 2.3% in 2019, the strongest growth rate in Southern California. … It was the biggest employment gain in San Diego in three years. That compares to California’s unemployment rate of 3.9%. The region added 20,100 jobs in the last 12 months, with education and health services leading the gains. 

San Diego has one of the most perfect climates on the planet. Paired with a booming economy, San Diego has become a very desirable city to migrate. If you are a real estate investor, San Diego should be on your radar. The San Diego housing market 2020 remains one of the hottest in the nation (ranked 10th by Zillow). Rents are predicted to rise 8.4% and properties are forecast to rise 4.7%, so investing in San Diego real estate seems to be the right investment decision. 

“Multi-family properties located in San Diego continue to be in high demand by investors, as rental demand remains strong. We will continue to fund loans quickly on properties in San Diego that create strong rental income,” General Partner and Founder William L Gaskins said.

Looking to buy a multifamily property in San Diego? Here’s why you should consider working with a San Diego hard money lender.



With the high demand of rental properties in San Diego and shortage of inventory, many investors are looking to purchase cash-flowing multifamily units. The competition is typically steep when it comes to acquiring these properties. That’s when a San Diego hard money lender comes into play. Unlike traditional lenders, San Diego hard money lenders focus on the equity in a property and the location rather than the borrower’s financial situation. The underwriting and funding process can take place in a matter of days instead of weeks or months.

Looking for a trustworthy and dependable San Diego hard money lender? Contact TGP Funding now for more information and get funding for your real estate transaction.