Hayward, CA is a red-hot real estate arena that has outpaced even the most vibrant real estate attractions. The median house value of $661,000 on the back of a whopping 15.6% appreciation in the city’s industrial, commercial, mixed use or residential property markets has not been lost on resident investors. The conversion of Hayward from its early beginnings as an agricultural enclave has never been more pronounced. There is, however, one big snag: this real estate trailblazer has left many limping and crippled individuals, partnerships, trusts, corporations, LLCs, estates and foreign nationals in its wake – with lagging FICO scores bullet-holed by tattered credit ratings. It is the price that many pay in realty regions carried through on a fast track.

None of this has phased Hard Money Lenders Inc., the state’s premier hard money lender, a company always ahead of the game. We have commandeered our A team of professional lending agents to structure bridge loans, long-term private financing, private money loans and investor loans for beleaguered city investors. With surprising speed and efficiency, even for a fast metropolis like Hayward, our clients have closed on deals with the lowest interest rates and easiest terms possible. The reaction, as anyone can imagine, has been heartwarming. In contrast, the reaction from competitors has been anything but positive, as they struggle against our superior hard money lending services.

It is an open secret that PML methodology wastes no time in extracting the equity value in every property. This is not an easy task, but one we do not shy away from. Once concluded, the credit handicaps that hang obstinately to so many loan applicants simply fall away. We combine this approach with complete exposure of the contract terms to eject the small print as a deal obstacle, and so in one fell swoop the deal closes to both the satisfaction of lender and borrower.

A client query always arises at the beginning of the loan process, namely: what’s the next step if in fact equity value just isn’t enough? The answer in a word is cross-collateralization. It works well for marginal clients almost all of the time. We can implement unorthodox solutions anywhere in every situation. Take the business arena, for example, a sector beset with high inflationary pressures. PML refinancing with no cash out limits is now a legendary fallback for all of California – and therefore the city of Hayward as well.

The most impressive Hard Money Lenders Inc. attributes that somehow repeat time and again, is that our team treats a client requiring a $50,000 loan with no less attention or commitment than a client looking for $2 million. Essentially, a PB client is a valued entity with no $ value guiding level of corporate stature.

Hayward investors understand the Hard Money Lenders Inc. code of conduct, built on speed, best terms and minimal aggravation going through the process. Coming out of it at the end with comfortable results is a tribute to Hard money lending in a pressured society, where credit ratings are continually under attack from many angles. Reliability, integrity, and professionalism predominate, and our clients fully appreciate this.

If you’re in need of a private money loan and live in Hayward, please contact us at