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Trusted Private Money Lending Solutions in Santa Clara
For over 35 years, Stonecrest Financial has been a trusted partner for real estate developers, investors, home buyers, and professionals seeking alternative financing solutions. Our expertise lies in providing fast, flexible private money loans tailored to complex needs, including bridge loans, lines of credit, and investment purchase loans. We prioritize speed and efficiency, enabling clients to make all-cash offers with no minimum income requirements. Our self-funded model eliminates reliance on external capital, ensuring rapid approvals and funding within days.With a focus on customer success, we specialize in creative problem-solving for time-sensitive transactions, supported by a team of experienced professionals committed to transparency and personalized service. Our clients benefit from cross-collateralization options, up to $10 million in available credit, and repeatable financing solutions that empower real estate and business growth.
Services
Bridge Loans
Lines of Credit
Investment Purchase Loans
Reverse 1031 Exchange Loans
Refinance
Conventional Loans
Highlights and features
- We offer 35+ years of experience in private money lending for real estate and business.
- Our self-funded model enables loan approvals in days, not weeks.
- We provide flexible terms with no minimum income requirements.
- We specialize in cross-collateralizing multiple properties for maximum leverage.
- Our team includes seasoned professionals with deep expertise in complex transactions.
Associations and certifications
- NMLS
- California Department of Real Estate
What people say
Helpful, communicative, calm
Professional, personable, strong work ethic
Grew business exponentially
Services
Bridge Loans
Critical private money tools for time-sensitive real estate purchases. Stonecrest Financial offers bridge loans with rapid funding, allowing borrowers to make all-cash offers without income requirements. Clients can borrow up to 100% of purchase price while cross-collateralizing multiple properties to secure competitive terms for transitional real estate investments.
Lines of Credit
Private money revolving credit solutions providing immediate cash access. Stonecrest Financial's lines of credit enable real estate investors and entrepreneurs to fund flips, businesses, or emergencies with no minimum usage fees. Borrowers maintain access to funds even at zero balance, with credit limits up to $10 million for qualified applicants.
Investment Purchase Loans
Strategic financing tools for building real estate portfolios. Stonecrest Financial provides investment purchase loans with common-sense underwriting and fast approvals. Borrowers gain competitive advantages through all-cash purchasing power, enabling efficient acquisitions in competitive markets while maintaining flexibility for development or resale opportunities.
Reverse 1031 Exchange Loans
Specialized financing solutions for tax-deferred real estate exchanges. Stonecrest Financial structures reverse 1031 exchange loans to help investors acquire replacement properties before selling existing assets. This service preserves capital gains tax benefits while maintaining transactional flexibility for sophisticated real estate portfolios.
Refinance
Commercial and residential refinancing options for improved terms. Stonecrest Financial offers refinance solutions tailored to evolving borrower needs, including competitive long-term financing for multi-family properties. Our process emphasizes responsive management of complex documentation requirements to secure favorable rates and terms for property owners.
Questions
What types of loans does Stonecrest Financial offer?
We offer bridge loans, lines of credit, investment purchase loans, reverse 1031 exchange loans, and refinance options tailored to real estate investors and business owners.
How quickly can Stonecrest approve and fund a loan?
Most loans are approved and funded within days through our streamlined process and self-funded model.
What are the qualification requirements for private money loans?
We require property collateral and exit strategies rather than strict income verification, with no minimum income requirements.
Can I use multiple properties as collateral?
Yes, we allow cross-collateralization of multiple properties to secure larger loan amounts.
Do you lend to first-time real estate investors?
We evaluate all borrowers based on collateral strength and exit plans, not just experience level.
What areas do you serve?
We primarily serve California markets including San Francisco and Santa Clara, with nationwide lending capabilities.
