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Stonecrest Financial

Proudly Doing Business Since 1986

Direct Lender for California Real Estate

Founded in 1986, Stonecrest Financial is a private money lender located in San Jose, California.  

We provide short term bridge loans to real estate investors across California. 

Unlike traditional bank loans, we focus more on the underlying value of the asset and borrower's exit strategy rather than the borrower's credit score and income.  

Since inception we have underwritten over $1 billion in loans for both commercial and residential real estate. 

We are direct private money lenders with no middle men involved, ensuring you get a great interest rate with the low fees.  

Closing can be done in as quickly as 1 week.

Lending Guidelines

$100k - $5m
7.99% - 10.99%
Origination Fee
1.5% to 3%
Term Length
3 to 36 months
Closing Time
7 to 15 days

Loan & Property Types

Loan Types
  • Fix and Flip
  • Bridge
  • Probate
  • Refinance
  • Cash-out
  • Property Types
  • Auto Dealership
  • Auto Repair
  • Office
  • Retail
  • Mixed Use
  • Storage Facility
  • Winery
  • 2 to 4 units
  • Day Care
  • Condominium
  • Gym
  • Health Care / Hospital
  • Hotel / Hostel / Motel
  • Multi-Family
  • Place of Worship
  • Single-Family
  • Loan Parameters & Fees

    Credit check required

    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

  • Appraisal
  • Underwriting
  • *

    = upfront,


    = 3rd party

    Areas Served

    Stonecrest Financial

    4300 Stevens Creek Blvd, Suite 275
    San Jose, California
    Year Established
    Number of Employees
    11 to 50
    License Numbers
    NMLS: 141656
    DBO/CFL: 60DBO81799
    We Work With
    Banks, Borrowers, Brokers, Lenders
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