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Call now — speak directly with a lender, not a call center.
$100M+
Funded to Date
5-Day
Closings Available
California
Owned & Operated
Our Loan Programs
Fix & Flip Loans
Purchase and rehab financing for flippers. Up to 90% of purchase, 100% of rehab budget.
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Bridge Loans
Short-term capital to close fast, cash out equity, or beat a competing offer.
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Rental / DSCR Loans
Long-term financing for rental properties, qualified on cash flow — not personal income.
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New Construction Loans
Ground-up construction financing for builders and developers with draw schedules that keep projects moving.
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How It Works
Get Funds in 3 Simple Steps
Apply
Call us or submit the form. Tell us about the property and the deal — that’s all we need to start.
Terms in 24 Hours
A lender reviews your deal and sends written terms within one business day. No credit pull required.
Close & Fund
Sign, close, and receive funds — in as few as 5 days from your first call.
Why Lucky Lenders
A Lender That’s Been Closing Deals for 10 Years
Direct lender — we fund with our own capital
No brokers, no committees, no waiting on a third party to say yes.
Asset-based underwriting
We lend on the property and the deal — not your tax returns.
California specialists since 2016
We know every county, every market cycle, and every escrow office worth calling.
No junk fees, no surprises
The terms we quote are the terms you close on.
Our Loan Programs
Fix & Flip Loans
Up to 90% LTC and 100% of rehab costs. Fast closings so you don’t miss the deal.
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Rental / DSCR Loans
Long-term 30-year loans based on the property’s cash flow, not your personal income.
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Bridge Loans
Short-term capital to acquire properties quickly or bridge the gap between transactions.
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