San Francisco Bay Area Hard Money Lenders

North Coast Financial is a direct hard money lender (private money lender) serving the San Francisco Bay Area and Northern California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced hard money lenders in California.

We provide various types of San Francisco hard money loans to real estate investors and property owners in need of fast and flexible funding options. Our competitive rates and fees and excellent customer service are why our clients continue to choose North Coast Financial for their Northern California hard money lending needs. Read client reviews.

Contact North Coast Financial now for a complimentary consultation and quote for your San Francisco hard money loan request.

Hard Money Loan Request

An associate will contact you to review the loan scenario and provide a quote.
















    As Featured

    San Francisco Bay Area Hard Money Loans – North Coast Financial

    • Fixed Rates from 8.00% (excluding consumer loans)*

    • Lender Fees from 1.5 Points – No Additional Fees

    • Same Day Pre-Approvals Available – Receive Funding within Days

    • Financing up to 75% Loan to Value

    • 40 Years of Experience – $800 Million Funded

    • 5-Star Google Review Rating – BBB A+ Rating

    San Francisco Bay Area Hard Money Loan Types

    North Coast Financial provides various types of San Francisco hard money loans for real estate. Popular loan types include bridge loans, trust loans, probate and estate loans, investment property loans, fix and flip loans, distressed property loans, rental property loans, cash out refinance loans, purchase loans, reverse mortgage refinance loans, hard money loans for primary residences and other San Francisco Bay Area and Northern California hard money loans secured by real estate.

    Residential & Commercial Hard Money Loans

    North Coast Financial are California hard money lenders (private money lenders) able to provide funding for both residential hard money loans (single family residences, multi-family residences) and commercial hard money loans (commercial, industrial, office buildings, healthcare, hotels, retail and special purpose).

    Cash Out & Refinance Loans

    North Coast Financial provides cash out and refinance loans in the San Francisco Bay Area and throughout California. A refinance loan can be used to obtain a more favorable interest rate or to secure a longer loan term if the current loan will soon be due. Cash out refinance loans can be used in a situation where the borrower wants to tap the equity in their existing property and invest it in another project.

    To apply for a San Francisco cash out refinance loan contact North Coast Financial now or visit our Cash Out & Refinance Loan page for more information on our cash out and refinance loan programs.

    Bridge Loans

    North Coast Financial is an experienced bridge loan lender providing San Francisco Bay Area bridge loans. Bridge loans are short-term loans against the equity within a borrower’s property for the purpose of purchasing a new property. Once the borrower has used the bridge loan proceeds to purchase a new property, the borrower sells the previous property to pay off the bridge loan.

    Bridge loans are available for homeowners who need to borrow equity from their primary residence to purchase a new home and move. Bridge loans are also used by real estate investors who need to borrower equity from an existing property to purchase a new property.

    Contact North Coast Financial now to apply for a San Francisco Bay Area bridge loan or visit our Bridge Loan page for more information.

    Inheritance Loans – Trust & Estate Loans

    Inheritance loans allow beneficiaries, heirs and trustees to borrow against real estate owned by the trust or estate. The borrowed funds are commonly used to buy out siblings who wish to sell their interest in the inherited property. Funds are also often used to pay expenses of the trust or estate. Please see our specific Trust Loans page and Probate and Estate Loans page for additional information.

    Northern California Hard Money Loans Funded by North Coast Financial

    • Piedmont Bridge Loan

    Recent Deal – Piedmont Bridge Loan

    Piedmont Bridge Loan A residential bridge loan in the amount of $1,075,000 was provided by North Coast Financial in Piedmont, California (Alameda County). The bridge loan proceeds were used [...]

    • Brentwood Bridge Loan

    Recent Deal – Brentwood Bridge Loan

    Brentwood Bridge Loan North Coast Financial provided a $650,000 bridge loan in Brentwood, California (Contra Costa County). The borrower needed a short-term bridge loan against their current residence in [...]

    San Francisco, California

    With an area of only 47.9 square miles, San Francisco is the smallest and only consolidated city-county in California and is the most dense large city in the state. San Francisco is the 2nd most densely populated city in America after New York City. Located in Northern California with an estimated population of 871,000, the city of San Francisco is the 4th largest city in California. San Francisco is part of the San Jose-San Francisco-Oakland combined statistical area, which has the 5th highest population in the country with a population of 8,700,000. The city was incorporated in 1850.

    Contact North Coast Financial now for a free consultation with a hard money loan expert regarding your San Francisco Bay Area loan request.

    Hard money loans are available in the following Bay Area cities: Alameda, Albany, American Canyon, Antioch, Atherton, Belmont, Belvedere, Benicia, Berkeley, Brentwood, Brisbane, Burlingame, Calistoga, Campbell, Clayton, Cloverdale, Colma, Concord, Corte Madera, Cotati, Cupertino, Daly City, Danville, Dixon, Dublin, East Palo Alto, El Cerrito, Emeryville, Fairfax, Fairfield, Foster City, Fremont, Gilroy, Half Moon Bay, Hayward, Healdsburg, Hercules, Hillsborough, Lafayette, Larkspur, Livermore, Los Altos, Los Altos Hills, Los Gatos, Martinez, Menlo Park, Mill Valley, Millbrae, Milpitas, Monte Sereno, Moraga, Morgan Hill, Mountain View, Napa, Newark, Novato, Oakland, Oakley, Orinda, Pacifica, Palo Alto, Petaluma, Piedmont, Pinole, Pittsburg, Pleasant Hill, Pleasanton, Portola Valley, Redwood City, Richmond, Rio Vista, Rohnert Park, Ross, San Anselmo, San Bruno, San Carlos, San Jose, San Leandro, San Mateo, San Pablo, San Rafael, San Ramon, Santa Clara, Santa Rosa, Saratoga, Sausalito, Sebastopol, Sonoma, South San Francisco, St. Helena, Suisun City, Sunnyvale, Tiburon, Union City, Vacaville, Vallejo, Walnut Creek, Windsor, Woodside, and Yountville.

    San Francisco, California

    San Francisco, California