Private Money Loans for Borrowers in
Los Angeles

Can’t get a loan from a Los Angeles conventional lender? Let us help you! We are able to assist you even if you are self-employed, have a low FICO Credit Score, or even if you don’t have proof of income.

Val-Chris Investments, Inc. is a Los Angeles asset-based, direct, private, and hard money lender. We provide a myriad of loans including residential, commercial, and industrial properties throughout California for the benefit of a diverse group of borrowers. We are dedicated to assisting our diverse portfolio of borrowers ranging from individuals, corporations, and limited liability companies to trusts, estates, probates, and foreign nationals. In addition, unlike conventional lenders, we are committed in assisting borrowers who do not meet the very strict underwriting guidelines of a traditional loan.

As a direct lender with our own underwriting guidelines and standards, we can provide our clients with an efficient lending process to get loans approved and funded fast. Regarding loan transactions, our main concerns are of the current value of the property, the purpose of the loan, and the ability to repay the loan. With over 45 years in business pursuing the mission of honest, efficient, and reliable lending, our continued success is a testament to our commitment to our clients.

Unlike traditional bank loans, which rely heavily on a borrower’s creditworthiness and financial history, our private money loans primarily focus on the value and potential of the underlying property. This consideration makes private money loans accessible to borrowers with less-than-perfect credit scores or unconventional financial situations.

As hard money lenders in Los Angeles, we help borrowers quickly secure funding in a competitive market. We work with a range of borrowers, such as real estate investors, house flippers, and developers.

Our commercial hard money lenders specialize in financing many kinds of properties, including office buildings, retail spaces, warehouses, and multifamily properties. We can tailor loan terms to suit the needs of commercial real estate borrowers.

We don’t require a FICO credit score minimum. We also originate 1st, 2nd and 3rd trust deeds, and our loans usually close within 5-14 business days. Here are a few more Loan Program Highlights that we offer:

  • Loan amounts from $25,000 to $4,000,000
  • Loan-to-value ratios up to 65%
  • Loan terms at 1 to 3 years

We give borrowers access to powerful yet flexible financing options. Contact us to learn how our private money loans for borrowers in Los Angeles can help you.