We Provide Private Real Estate Loans Throughout California

HCS Equity – Private Lender

For more than 20 years, HCS Equity has used our own capital to provide private residential and commercial real estate loans to a variety of borrowers and transaction types throughout California. From hard money purchase loans to trust and estate equalization loans under Proposition 19/58 and everything in between, HCS Equity is your go-to company for asset-based lending in California.

We are focused on being a financial resource for property owners throughout California. We offer a broad range of private loan products to suit your needs, competitive rates and terms, and the highest level of service.

Private Loan Options

Loans to Trusts and Estates in Probate

Decades of experience. Swift review and approval.

Reverse Mortgage Payoff

Buy time to consider options.
Quick closing.

Fix and Flip Loans/REO and Distressed Property Loans

Competitive rates, fast closure.

1031 Exchange/Reverse 1031 Exchange Loans

Fast closing short-term gap cover for 1031 property exchange.

Bridge Loans

Bridging loans to cover the gap on residential and commercial property investments.

Second Trust Deeds

Flexible second trust loans secured on existing property.

What Our Clients Are Saying

FRANCIENE BLACK

4 months ago

I had an outstanding experience working with Justin Aldi at HCS Equity. From start to finish, Justin provided exceptional customer service and made the entire loan process smooth, efficient, and stress free , Justin was professional, knowledgeable, responsive, and took the time to answer all of my questions. He kept me informed throughout the process and insured everything moved forward quickly and seamlessly. I truly appreciate the excellent service I received and I would highly recommend Justin to anyone seeking financial assistance. If you are looking for a loan professional, who is dedicated, reliable, and committed to helping his clients, Justin Aldi is a person to call. Thank you, Justin for making this such a positive experience. I look forward to working with you again for any future loan needs!⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

Eddie Ortiz

4 months ago

Worked with Ben, the process was smooth, easy, and professional. I highly recommend HCS Equity..

George Grengs

7 months ago

I’ve invested with Justin Aldi and Jordan Must for over 10 years and have nothing but good things to say about them and their investment vehicle – short term real estate loans backed by trust deeds and made at substantial discounts to appraised value. The best part of the experience has been the great service they provide. Good information is provided before each investment, including appraisals, and the individual loan background summary. When there are questions, they are answered promptly and thoroughly. Their back office includes long time employees who are friendly and efficient. Since these types of loans are costly for the borrower and there are no pre-payment penalties, they are typically paid off within 3-12 months, leaving little market risk with the secured property. I would highly recommend HCS Equity as a component to your investment profile.

ken wilson

7 months ago

done business with Justin for almost two decades - would not go anywhere else! Justin is thorough, careful and puts his own money into the same projects he puts me in. I've lent through him and borrowed from him. Experiences on both sides have been excellent.

Matt Pentecost

7 months ago

I have invested with HCS Equity for years now and they always deliver! Jordan and Justin are my trusted advisors and have both financed my properties and provided solid investment returns on my own capital. Great firm to work with.

Brian O'Toole

7 months ago

I have worked with HCS Equity for years. I appreciate their conservative approach to appraisals and debt to equity ratios. Their results (yield and principal protection) speak for themselves. In addition, their client services and responsiveness to questions are always prompt and helpful.

Dennis Scott

2 years ago

I had the privilege of working with Ben on a transaction recently in Santa Cruz, and I was so fortunate that he dealt with the financing for my buyer. He made the process so easy and smooth and he was able to overcome challenges through throughout the transaction that I don’t think any other lender would have been able to do. I look forward to working with him again on many more transactions in the future!

jessica espinola

2 years ago

It's been a great experience working with Justin Aldi. He's IT! Professional , knowledgeable, trust worthy and great communicator. We've been fortunate to purchase a few properties using his services and every time it's a smooth transaction. Thank you! Jessica

Raza Chishti

2 years ago

All the processes were easy and the people are very good in dealing as well.

Teresa Wolcott

3 years ago

Dealing with HCS Equity was my first experience at obtaining a loan. Ben Hellig made the process easy. He was responsive, informative and professional. If ever the need for a new loan, HCS Equity will be my first stop.

James Ziegler

3 years ago

Trusts and trust loans were new territory for me, I wasn’t even aware that a loan could be taken out against a trust. It turns out that I did need a short term loan to buy out a sibling and maintain the parent-child property tax reassessment exclusion. My estate lawyer referred me to Ben Heilig at HCS Equity and I could hardly believe how quickly he was able to put everything together. Ben was always available to answer my many questions in ways that made complete sense. He was friendly and patient. I was extremely impressed with Ben and HCS Equity and highly recommend them.

Annette Boggs

3 years ago

If you are looking for a hard money loan - Justin is your guy! From start to finish (6 days) he made the loan and funded it! He is honest, a good businessman, and very cordial. I will definitely recommend him to others looking for FAST MONEY.

Alis Whitman

4 years ago

The partners at HSC Equity are down-to-earth. They explain the terms of lending in a way that anyone can understand and feel comfortable with. There is no hard sell here, just knowledgeable people looking out for their client’s best interests. Every touch point with this firm has the feel of genuine white-glove service. It is a pleasure to work with them, and I highly recommend HSC Equity.

Rebecca Smith

4 years ago

Justin and his entire team are amazing. Easy to work with, and kept in constant communication, I never once had to follow up with them.

Brian Berman

4 years ago

Our attorney advised us to contact HCS Equity regarding a loan to our family's irrevocable trust. We worked with one of the managing partners, Ben Heilig, who was extremely knowledgeable, professional, kind and very patient with our endless questions and concerns. We closed on the loan a few weeks ago, and the process couldn't have been smoother from start to finish. We recommend Ben and his team to anyone in need of a loan for their family trust.

J M Clay

4 years ago

I am the successor trustee for my parents' family trust. Trust administration is new territory for me, so I was stressed about having to take out a trust loan. I spoke with a few lenders but decided to keep searching, which I am so glad I did or I would never have discovered HCS Equity. Their website clearly explained the process, and it made me feel comfortable enough to give them a call. I spoke with Ben, and like others have said, he is professional, patient and very knowledgeable, so I decided to proceed with HCS Equity. Each step of the way, Ben explained what to expect and what I needed to do. Closing of the trust loan was a breeze and a relief all due to Ben! Because of my positive experience with Ben and HCS Equity, the law firm that is assisting me with trust administration requested Ben's info so that their other clients can utilize his services. Thanks again Ben and HCS! I really appreciate all you have done!!

Scott Faverty

4 years ago

I contacted HCS Equity to request information about the trust lending process, and Ben Heilig took the time to explain everything in great detail. His professionalism, expertise, and patience guiding me through the process definitely put me at ease. It was a pleasure working with Ben, and I highly recommend HCS Equity if you are in need of a trust loan to buyout your siblings.

Clarice Henderson

4 years ago

One of the most difficult problems for Professional Fiduciaries is obtaining a third- party loan for their client. HCS Equity came to my "rescue" with their rescue reverse mortgage. Now I can continue to take care of my cash-strapped client without fear of creditors taking her assets. Thank you Ben, and HCS Equity!

Melynda Weilbacher

4 years ago

Justin and his team are the best of the best; going above and beyond for their clients. You will feel at ease with their expertise.

Kevin Jones

6 years ago

We have worked with Justin Aldi for over 20 years and he always delivers a great product and stellar service! Always going up and beyond to get our loans done, very reliable and is our go to for all of our loans! Thank you for all you have done for us and becoming a friend in the process!