At Coastline Bridge Lending, we provide private money loans in Orange County tailored to real estate investors, fiduciaries, and high-net-worth borrowers. Whether you’re buying, refinancing, or bridging the gap in a time-sensitive transaction, our private lending solutions provide capital when conventional lenders can’t deliver.
We focus on short-term, business-purpose loans secured by real estate equity—not your credit report, tax returns, or income history. That means you can move faster, negotiate stronger, and close with confidence—especially in a competitive market like Southern California.
A private money loan is a form of short-term real estate financing that’s based on the equity in the property—not the borrower’s financials. These loans are provided by private money lenders rather than traditional banks or credit unions.
They are typically used for:
Unlike mortgage lenders in Orange County, CA, we don’t require W-2s, pay stubs, or months of documentation. Our underwriting is based on loan-to-value (LTV), property type, and a clearly defined exit strategy.
Time is often the most valuable asset in real estate. When a deal needs to close in days—not weeks or months—a traditional lender won’t cut it.
That’s where private money lending shines:
Whether you’re flipping homes in Santa Ana, buying multi-units in Anaheim, or refinancing a portfolio in Newport Beach, Coastline provides the capital—and the expertise—to help you move fast.
Here’s how private money compares to conventional bank loans:
| Feature | Private Money Loans | Bank/Conventional Loans |
|---|---|---|
| Approval Timeline | 5-10 days | 3–5 weeks |
| Funding Timeline | 5–10 business days | 30+ days |
| Based On | Property equity, LTV, exit plan | Income, credit, debt ratios |
| Use Cases | Investment, rehab, bridge, legal | Long-term ownership |
| Flexibility | High — custom structure | Low — rigid guidelines |
| Borrower Type | Investors, fiduciaries, entities | Primarily consumers |
Here are common scenarios where our clients leverage private money loans in Orange County:
If you need capital that can move as fast as you do, private money lending is the solution.
We’re not a bank—and that’s exactly the point. Coastline is a direct lender with the flexibility to structure deals that serve your timeline, not the other way around.
What makes us different:
We provide flexible solutions for clients to close fast in competitive bidding wars, settle complex trust disputes, and reposition their portfolios—all with fewer delays and better terms than traditional lenders could offer.
Many borrowers come to us after struggling with rigid requirements from banks or institutional lenders. That’s because private money loans and asset-based financing offer strategic advantages—especially in high-stakes real estate transactions where timing and flexibility matter.
Unlike unsecured loans, which are often limited in size and require perfect credit, our loans are secured by real estate—providing larger amounts with fewer delays. As direct hard money lenders, we focus on collateral and the strength of the deal—not lengthy credit evaluations or outdated underwriting.
We provide asset-based loans for a wide range of business purposes, including:
Some clients consider lines of credit or accounts receivable financing, but those tools often fall short when you’re trying to close on a property. Asset-based lending through real estate provides a more stable, scalable, and immediate source of funds.
We fund deals based on:
Our maximum loan amounts typically range up to $500,000, depending on asset class, LTV, and borrower profile. Whether you’re investing in single-family homes, multi-units, or commercial properties, our team works to structure private credit solutions that match your goals.
We also work directly with professionals who hold a valid real estate license and want to leverage their market expertise into profitable deals.
With years of experience in California real estate, Coastline Bridge Lending has earned the trust of borrowers, attorneys, real estate agents, and fiduciaries across Orange County. We tailor every loan to meet the borrower’s objective and timeline, delivering a custom financing experience.
We are a private lender — not a broker — which means we fund our own deals and make fast, informed decisions. When you call, you speak directly with someone who can approve your loan.
At Coastline Bridge Lending, we provide speed, transparency, and expert support to help you capitalize on real estate opportunities. Whether you’re flipping in Orange County, refinancing for liquidity, or bridging toward a bigger play—we’re the private money lender that gets deals done.
[Apply Now] to get pre-approved and funded quickly.