Charger Funding was founded in 2008. Those of you who have worked with us know that we are experienced and hard working advocates for your files. Charger Funding has been doing private money lending in California for over a decade and we know how to get the job done. We’re the ones to call when you have a deal that absolutely must close. Get in touch, let’s fund some deals!

We are experienced and do Hard Money Right! We have over a decade of success helping brokers, realtors, investors, and borrowers reach success with California Hard Money Loans. We have funded over $175 million in California Private Money / Hard Money Loans.We Fund Fast and keep your loan process as smooth as possible.We are State and Federally licensed and registered.Plus we get almost all of our business from recommendations of brokers, realtors, and borrowers we’ve worked with before.


Super Fast Closings 
Deals that need to ​Fund Yesterday 

Irrevocable Trust Loans         
Protect property tax basis, buyout heirs, settle estate, etc

Cross collateral loans   
Loans secured by 1 house or many

Fix & flip purchases
Also fix & hold deals

Entity Loans
LLC, Corporation, Trusts

Even “A” grade borrowers need us.
Sometimes bank loans fall through right before escrow needs to close, or borrowers own too many properties, or they don’t file tax returns the way banks want to see them.


Loans Funded


Total Amount Funded

Why Charger Funding

Reputation Matters
Clients Love Us
We Can Help

What Our Clients Have to Say…

Frequently Asked Questions

What is a hard money loan?

Fast and easy compared with bank loans. Typicall your loans are for a business purpose where borrowers need to close very FAST. We typically lend at lower LTVs than banks at a higher cost so our borrowers typically looking to make a profit in spite of higher cost (fix & flip purchase, fix up rental property, buy out partner, etc).

What if I have a low credit score?

Most of our lenders are more concerned about overall strength of the deal. Factors likethe collateral and LTV are the primary focus.

What types of loans do you do?

Mostly shorter term, business purpose loans customized to the needs of the borrowerand goals of the investor

How long does the loan process take?

We have closed in 3 business days but 1-2 weeks is typical

How do I apply?

Call us today! We’ll walk you through the fast and easy process

How do I know what my rate will be?

Call us today for fast answers!

What We Lend On


Single Family Residence

Condominium / Apartment

Duplex, Triplex, Quadriplex


Office and Retail


Storage, Hospitality, Industrial

Fix and Flip

Complete Rehab


Buy and Hold

Where We Lend


Our Focus is  $100K to $2M. *Actually our investors have funded down to $50k and can do up to about $3M.

Alameda County, Alpine County, Amador County, Butte County, Calaveras County, Colusa County, Contra Costa County, Del Norte County, El Dorado County, Fresno County, Glenn County, Humboldt County, Imperial County,
Inyo County, Kern County, Kings County, Lake County, Lassen County, Los Angeles County, Madera County, Marin County, Mariposa County,Mendocino County, Merced County, Modoc County, Mono County, Monterey County,Napa County, Nevada County, Orange County, Placer County, Plumas County,
Riverside County, Sacramento County, San Benito County, San Bernardino County, San Diego County, San Francisco County, San Joaquin County,
San Luis Obispo County, San Mateo County, Santa Barbara County, Santa Clara County, Santa Cruz County, Shasta County, Sierra County,
Siskiyou County, Solano County, Sonoma County, Stanislaus County,
Sutter County, Tehama County, Trinity County, Tulare County,Tuolumne County, Ventura County, Yolo County, Yuba County



Our team has been doing private money lending for years and we know how to get the job done.  The after affects of the credit crisis has made Private Money Lending crucial.

Ready To Get Your Loan?

It’s fast, easy and best of all – FAST HARD MONEY DONE RIGHT !