California Cannabis Financing

California Lending for Commercial Hard Money – Private Loans $5 Million and under.

Do You Have A Project We Can Help With? is a direct lender to the California Cannabis market.  We offer specific niche loaning services for property owners as well as prospective purchasers looking for accessibility to exclusive funds to operate in the Cannabis Industry. could help in acquiring a fast financing at affordable prices.  We have what you need from a bridge loan to complete a construction project or a need short term equity refinance.  What do you need?  We can make it happen. exclusive funding resources can fill in the voids where conventional banks, as well as various other private money resources end.  Offering fast financing of 1st and 2nd trust deeds varying from $250K- $2.5 M+.  Due to the Federal legitimacy of the Cannabis Industry, institutional funding is not commonly offered; therefore, ‘Hard Money’ financing is the most common type of property financing offered in the Cannabis Industry.  ‘Hard Money’ financing is asset-based financings where a debtor obtains funds secured by real estate.  The credit worthiness is less important than the property.  The qualifying standards for hard money vary from deal to deal since every building and consumer are different.  Credit scores, revenue, as well as capacity to repay are taken into consideration.  However, the majority of the time, getting a hard money loan is based on the value (or cost) of the property.

Lending Guidelines

Lending Guidelines

  • Loan Amounts: $250,000 – $2.5 million 
  • Loan to Value (LTV): up to 70%

  • Interest Rates: 6.99% – 14.99%

  • Fees: 2 – 6 points (including lender or investor fees)

  • Loan Term: 12-60 months

  • Property Types: Investment residential and commercial

  • Loan Types: Purchase, Refinance, Equity Cash out, Bridge Loan, Rehab, Construction, Lender Participation

Why Choose Mortgrates Property Financing?

Why Choose Mortgrates Property Financing?

  • Short or longer term loans (up to 5 years)
  • Competitive rates and fees

  • Lots of capital waiting to be invested

  • Long list of satisfied borrowers and investors

  • Will consider any loan that makes sense.

Financing Available in the Following Areas

Financing Available in the Following Areas

  • Los Angeles
  • San Diego
  • San Jose
  • San Francesco
  • Fresno
  • Sacramento
  • Oakland
  • Sonoma

Many more…servicing all of California.

Fill our quick form below or call us today! 888-992-0097


We have worked with some of the biggest names in the industry as well as individuals.