California TD Funding

What California TD Funding does

California TD Funding, Inc. is a direct private money (hard money) lender operating from a single office in San Clemente, California, under CA DRE license 01967390 and NMLS registration 1263417. The company originates, finances, buys, and sells residential and commercial real estate loans, qualifying borrowers primarily on property equity and ability to repay rather than credit history. Loan approvals are issued within 24 hours and funding typically occurs within 3-7 days, positioning the firm as a faster alternative to traditional banks for deals that banks decline. Pricing is transaction-based, with rates advertised as low as 8.49% and origination fees as low as 1%, with quotes customized per submission.

The firm operates a dual-sided model: on the demand side it finances real estate investors purchasing or refinancing properties; on the supply side it offers trust deed investment opportunities to individual investors seeking real-estate-collateralized fixed returns. Distribution is entirely direct, via phone, email, fax, and a basic website (catrustdeeds.com), with no third-party broker channel and no self-serve digital onboarding. Ancillary fee-for-service products include a Broker Price Opinion Report ($160), a Loan Documents package ($600), and credit reports routed through a third-party processor.

Revenue mechanics are spread-based: origination fees on closed loans plus net interest income on the loan book funded from the company's own capital. California TD Funding is a privately held, apparently founder-owned corporation with no disclosed institutional backing, parent company, or external funding rounds. Operating geography is limited to California, and there is no evidence of proprietary technology, AI tooling, patents, or partnerships beyond a credit-report integration.

Name

California TD Funding

Legal name

California TD Funding, Inc.

Website

https://catrustdeeds.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

California TD Funding is a direct private money lender in San Clemente, California, originating hard money loans for real estate investors and borrowers turned down by banks, with 24-hour approvals and 3-7 day funding.

Ownership category

akta.pro rank

Product category

Hard Money / Private Real Estate Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

akta.pro secondary industry

Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI)

Keywords

• Hard money lending
• Private money loans
• Real estate financing
• Trust deed investing
• Bridge loans

Headquarters

HQ city

San Clemente

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure

Revenue model

1. Loan Origination & Financing: California TD Funding generates revenue through originating and financing hard money loans for real estate investors. As a direct private money lender, they buy, sell, and finance residential and commercial real estate loans. Revenue is earned through interest on loans and origination fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

California TD Funding, Inc. is a direct private money (hard money) lender that originates, finances, buys, and sells residential and commercial real estate loans using its own capital. The company targets borrowers who have been turned down by traditional banks, underwriting primarily on property equity and repayment ability rather than credit history, with 24-hour approvals and 3-7 day funding. It also offers trust deed investment opportunities for passive investors, plus ancillary services such as Broker Price Opinion reports and loan document preparation.

Product overview

California TD Funding offers a unified private money lending platform centered on hard money loans and trust deed investing. The core offering consists of Hard Money Loans for real estate purchases and refinances, Trust Deed Investing opportunities, and supplementary services including Broker Price Opinion Reports ($160) and Loan Documents ($600). The company operates as a direct private lender, providing funding within 3-7 days of approval for properties that traditional banks decline.

Differentiator

Problem solved

Functional benefit

Products and services

• Hard Money Loans Private money (hard money) loans for residential and commercial real estate transactions; qualification is based primarily on property equity and the borrower's ability to repay rather than credit history, with approvals within 24 hours and funding typically within 3-7 days. Designed for real estate investors and borrowers turned down by traditional banks.
• Real Estate Purchases & Refinances Financing solutions for buying and refinancing residential and commercial real estate properties, targeting loans that banks turn down; underwritten on equity and repayment ability with same-day quotes available via email or fax.
• Trust Deed Investing Investment opportunities in trust deeds, allowing passive investors to participate in real estate financing by purchasing trust deed notes from the company's loan offerings (subscribed via the Trust Deed Offering List email signup).
• Broker Price Opinion Report Property valuation report priced at $160.00, available in standard or rush (48-hour turnaround) format with interior and exterior photos; purchased via PayPal. Aimed at real estate investors and lenders needing a third-party property valuation.
• Loan Documents Loan documentation preparation service priced at $600.00, purchased via PayPal; supports borrowers and brokers needing packaged loan document sets.

Quantifiable outcome

• Loan approvals provided within 24 hours
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Expansion highlights4 records

Direct peers

• RCN Capital: RCN Capital is a direct private lender offering short-term fix-and-flip, bridge, and rental portfolio loans to real estate investors. It competes in the same non-bank hard money lending category with comparable speed and equity-focused underwriting.
• Anchor Loans: Anchor Loans is one of the largest California-based hard money lenders serving real estate investors with purchase, refinance, and fix-and-flip financing. Geography, customer segment, and product overlap with California TD Funding are nearly identical.
• CoreVest Finance: CoreVest is a private lender to residential real estate investors offering bridge, fix-and-flip, and rental financing. It competes for the same investor-borrower segment with comparable loan products and California exposure.
• Kiavi (formerly LendingHome): Kiavi is a technology-enabled direct lender to real estate investors offering bridge and fix-and-flip financing. It competes head-to-head with California TD Funding in the hard money / private lending space for residential investors, differentiated by a more digitized origination experience.
• New Silver Lending: New Silver is a technology-led hard money lender funding fix-and-flip and new construction loans for residential investors. It overlaps directly with California TD Funding on product, customer, and asset-based underwriting approach.
• Lima One Capital: Lima One Capital is a direct private lender specializing in fix-and-flip, rental, and new construction loans for real estate investors. It shares California TD Funding's equity-driven underwriting, investor target market, and asset-based lending model.

Emerging players

• Patch of Land: Patch of Land is a real estate crowdfunding platform that funds short-term bridge and rehab loans for property investors. It competes for trust deed investors and hard money borrowers in a similar niche but via marketplace technology rather than direct balance-sheet lending.
• Groundfloor: Groundfloor is a real estate debt platform offering short-term, asset-backed loans to property investors. It competes for the same higher-LTV, equity-driven borrower segment and operates an investor-facing note marketplace adjacent to California TD Funding's trust deed offering list.
• PeerStreet: PeerStreet operates a real estate debt marketplace connecting investors with short-term loans to real estate borrowers. It overlaps with California TD Funding's trust deed investing and hard money lending activity through a different, more marketplace-driven distribution model.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and private mortgage lender operating across residential and investor segments. It overlaps with California TD Funding on non-bank real estate lending to borrowers outside traditional bank criteria, but at meaningfully larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/california-td-funding-inc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about California TD Funding