Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
🔒 Secure. No impact to credit.
Our specialty. Equalize inheritances, preserve Prop 19/58 tax basis, buy out siblings, or fund probate administration approved in days.
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Reverse mortgages can create challenges during trust administration and estate settlement. We provide fast capital to pay off existing balances and move the process forward.
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Competitive rates on short-term rehab loans for investors, including REO, foreclosure, and distressed property acquisitions.
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Short-term gap financing that protects your exchange timeline. Close on the replacement property before the relinquished one sells.
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Bridge the gap between buying and selling residential or commercial. Avoid contingency offers and win competitive deals.
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Flexible second-position financing secured by existing equity. Ideal for cash-out needs without disturbing a low-rate first mortgage.
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$1 B+
58
20 +yrs
At HCS Equity, the partners are the underwriters. No outside capital committee, no handoffs — when you call, you talk to the people with the authority to say yes. That’s a rarity in California lending, and it’s how we close in a week.
Here’s exactly what happens after you reach out.
A sample of loans HCS Equity has closed in the last 90 days across the state.
Hard money can feel opaque. Here’s plain-English answers to the questions we hear most often.
Most of our California hard money loans close in 7–10 business days. Same-day pre-approvals are standard. Timing depends on appraisal turnaround, title cooperation, and — for trust & estate loans — court timelines. For owner-occupied loans, federal regulations push the minimum to about 2 weeks.
Trust loans are made to the trust entity, not to an individual borrower. They don't require a personal credit check, don't show on personal credit reports, and can close without all beneficiaries agreeing — which is often critical in estate administration. We've specialized in these for 20 years and understand the probate court process in every California county.
All 58 California counties, for residential, commercial, and mixed-use real estate. We're based in Carmel and have closed deals from San Diego to the Oregon border.
We're asset-based lenders — the property is the primary qualification criteria. We don't run hard credit checks and don't have income or employment requirements. We need a clear picture of the property, the loan scenario, and a realistic exit strategy.
We typically fund loans between $150,000 and $5,000,000.
No. We don't charge prepayment penalties on any of our loan products. Borrowers can pay off early at any time without cost — which is why our average loan term is often shorter than the contracted term.
Tell us about your scenario; we’ll respond within one business hour with a clear next step. No obligation, no credit impact.