Lenders using AI on vacant land in Santa-Monica, CA 2026!

Explore and compare options among 757 land loan providers operating in Santa-Monica, CA.

In CA, the average cost for an acre of land is $276,493. The Loan-to-Value (LTV) ratio for undeveloped land typically lies between 29.90% and 203.18%, while for developed land, it is estimated to range from 46.85% to 86.61%.

The real value and LTV ratio of any land piece are determined by factors such as location, dimensions, topography, zoning regulations, and any entitlements associated with it.

Contact a leading land loan lender in Santa-Monica, CA to explore land loan options and learn about the rates available to you.

Compare offers from 100 different lenders

The fantastic land loan calculator

Lendersa® AI technology is designed to meet all your hard money lending needs by seamlessly matching your loan request with hundreds of direct hard money lenders. Find out the best land loan rates available now to finance any type of vacant land or land plus construction in CA.

Land Loans and Property Worth

To protect your credit score, avoid unnecessary inquiries. Secure preapproval for your land loan without requiring your social security number or other sensitive information.

Blanket loans and construction loans are integral to vacant land financing. You might be eligible for 100% LTV financing by using additional property as security (blanket loan).

Looking for local hard money lending?

Identifying a private investor via a local hard money broker can dramatically increase your chances of loan approval. Land loans in Santa-Monica, CA are best facilitated by local lenders who are familiar with the neighborhood. Closer proximity between the investor and the property enhances the likelihood of approval and accelerates the funding timeline.

Leverage the Lendersa® land loan calculator to locate vacant land loan lenders in zip codes 90401.



Santa-Monica Land Loan Lenders

  • F2YES
  • 233 Wilshire Blvd Suite 515, Santa Monica, CA, 90401
  • Lends in California
  • F2 Finance offers fast and flexible financing for property investors, with loans ranging from $200k to $2m. They provide terms from 1 to 24 months without prepayment penalties and can fund deals quickly, often within 36 hours. The company lends against various property types, including residential and commercial. As a balance sheet lender, F2 Finan

  • Evoque Lending
  • 401 Wilshire Blvd., 12th Floor, Santa Monica, CA, 90401
  • Lends in California
  • Evoque Lending Experienced in residential, commercial and business loans – including California hard money loans – the professionals at Evoque Lending know what it takes to get your loan done faster, more efficiently and with more cooperation from your local business community. Realtors, appraisers, escrow, loan processing, title and closing.

  • Surest Capital Company
  • 1223 Wilshire Blvd #980, Santa Monica, CA, 90403
  • Lends in California
  • Surest Capital Company: Strategic Financing for Investors and Entrepreneurs

    Led by Brian Nichols, Surest Capital Company specializes in commercial and non-QM mortgage advisories, arranging $1M–$25M loans for multifamily and mixed-use properties. Reach out at brian@surestcapital.com or call 213-867-4223. We connect you to banks, credit unions, an

  • Wela Financing
  • 843 4th street, Santa Monica, CA, 90403
  • Lends in California
  • Founded by Olga Elmanovich, a highly experienced private lender, Olga is a trusted name in the field of hard money lending. With over 20 years of expertise in the industry, she has been providing flexible and reliable financial solutions to individuals and businesses in need.

  • Lennox Lending
  • 926 2nd Street, Santa Monica, CA, 90403
  • Lends in California
  • Lennox Lending specializes on working with experienced investors on fix-and-flip projects, ground-up construction and a variety of single family and multi-family rental loans. Expert service and competitive rates – start your application now!

    We believe in developing a deep, transparent relationship with our clients. With our experience, we deli

  • First Financial Bancorp
  • 12424 Wilshire Boulevard, Suite 630, Los Angeles, CA, 90025
  • Lends in California
  • First Financial Bancorp (FFB) is a full-service mortgage company providing clients with services on residential, investment, commercial and construction. First Financial Bancorp is a California corporation formed to bring unlimited financing capabilities of the capital markets to the real estate community.

  • MCP Mortgage Capital Partners
  • 12400 Wilshire Blvd, Suite 900, Los Angeles, CA, 90025
  • Lends in California
  • Mortgage Capital Partners are the preferred lender for many realtors, business managers and CPAs in Los Angeles and throughout the country.Our team of skilled loan officers, each with an average of 20 years experience, works in a collaborative environment where expertise is shared.

  • Wilshire Quinn Capital
  • 11601 Wilshire Blvd., Suite 500, Los Angeles, CA, 90025
  • Lends in California
  • Since 2004, Wilshire Quinn Capital Inc. has been a leader in the capital markets. It is a direct portfolio lender that originates bridge loans secured by real estate located primarily in California. Today Wilshire Quinn Capital serves as the Fund’s managing partner, actively working to provide fast, reliable funding for our borrowers and consiste

  • iBorrow
  • 12100 Wilshire Boulevard, Suite 520, LOS ANGELES, CA, 90025
  • Lends in California
  • iBorrow is a direct lender that provides short term bridge financing of up to $25 million to commercial property owners at fixed interest rates on a non-recourse basis. iBorrow has completed more than $350 million worth of transactions and lends on all property types throughout the United States.

  • Fidelity Mortgage Lenders, Inc.
  • 11952 Wilshire Boulevard, Los Angeles, CA, 90025
  • Lends in California
  • Fidelity Mortgage Lenders, Inc. has been funding real estate loans in Southern California since 1971. At Fidelity Mortgage Lenders, we base our loan qualifications on the property value, not on the borrowers’ credit. We can fund your next Commercial Real Estate Loans, whether small or large.
    No Tax Returns, Fast Funding.