BRIDGE LENDING CALIFORNIA
Golden Gate Lending Group helps homeowners, buyers, and investors to build the confidence to move through California’s fast-paced real estate landscape with clarity. We’re a small team based in San Francisco and serve clients across the state with smart, equity-driven lending solutions that turn timing, competition, and liquidity into manageable opportunities…not sources of stress. If you’re navigating a buy-before-you-sell transition, preparing your property for market, or want to act quickly on an investment opportunity, we design financing that supports your goals and fits the way you move.
We stay committed to a relationship-driven approach. Lending shouldn’t feel transactional or impersonal. Communication matters to us, and we know it does to you too. So we collaborate closely with clients, agents, brokers, and financial advisors to create clear, strategic paths forward. You’ll have the transparency you need to decide reliably. If it’s an owner-occupied bridge loan, fix & flip funding, or fast, flexible hard-money solutions, every program we offer is built around real-world timelines and real-life needs.
Need to Secure Your Next Home Before Selling Your Current One?
Our owner-occupied bridge loans help you unlock the equity you’ve already earned so you can present a stronger, non-contingent offer, move once instead of multiple times, and sell your current home on your terms. It’s a smooth, practical buy-before-sell solution for buyers who want to act decisively without feeling rushed, no matter if they’re downsizing, seeking new opportunities or a lifestyle change.
Are You Upgrading or Preparing a Property for the Real Estate Market?
If you’re preparing a property for market or evaluating an investment opportunity, our fix & flip loans provide the capital you need to purchase, improve, and list with confidence. Designed for investors, agents, and brokers, we see to it that our programs help you enhance value, accelerate timelines, and execute renovations so you can enjoy meaningful returns.
Hard Money Loans to Close Deals Quicker
And when timing is crucial, our hard-money loans offer the speed and flexibility traditional lenders often can’t match. If you need to close quickly, access equity, or reposition a property, we structure funding around your strategy—not rigid underwriting requirements.
Across every lending program, our priority is simple. We give you access to the capital you need, when you need it, with clarity, discretion, and white-glove service. If you feel you’re ready to explore your financing options, we invite you to connect with our team for a private consultation. At Golden Gate Lending Group, we make smart decisions possible—and strategic moves achievable.
Services
Owner-Occupied Bridge Loans
When moving to seek new opportunities, a career advancement, or downsizing, buying your next home shouldn’t hinge on selling your current one first. Our owner-occupied bridge loans give San Francisco and Bay Area homeowners the flexibility to move on their own terms—without rushed decisions or contingent offers. By unlocking the equity in your existing property, you can present a stronger offer, secure the home you truly want, and enjoy a smooth, single move. It’s a simple, strategic way to buy before you sell, supported by the one-on-one guidance and expertise so many of our clients trust.
FIX AND FLIP LOANS
At Golden Gate Lending Group, we make it easier for investors, agents, and homeowners to realize their property’s full potential. Our fix & flip loans offer fast, flexible capital so you can purchase, renovate, and sell with confidence—without getting slowed down by traditional underwriting. If you need to update your single-family home or reposition your property for a stronger return, we support your vision with boutique guidance and real-world expertise. If you see opportunity in a property and need funding that moves at your pace, our fix & flip financing helps you create value quickly and navigate California’s competitive real estate market with confidence.
HARD MONEY LOANS
We’re here to make real estate transitions faster and easier with hard money bridge loans built for buyers, investors, and professionals who can’t wait on traditional financing. If you’re bridging between properties, securing a new purchase, or tapping equity for short-term liquidity, our loans provide the speed and flexibility California’s competitive market demands. We focus on property value—not heavy documentation—so you can move confidently, make stronger offers, and act quickly when timing matters most. For a fast, strategic path to your next opportunity, our boutique lending team is here to guide you every step of the way.
Who We Serve
REALTORS
Are you a realtor who wants to give your clients every competitive advantage? We can help you make stronger offers to smoother transitions. Our fast, equity-driven bridge, hard money, and fix & flip loan programs help you keep deals moving, reduce contingencies, and open up opportunities traditional financing can’t support. If your buyer needs to purchase before selling, renovate for maximum value, or close quickly in a competitive housing market, we provide the private capital and white-glove coordination that help you save the day. Together, we can help your clients move with confidence—and help you close more deals with ease
HOME OWNERS
Are you a homeowner who’s found the right home, because you want a new lifestyle or need to downsize? But you can’t because your equity is still tied up in your current property? Our owner-occupied bridge loans make it easy to buy first and sell later—without rushed decisions or unnecessary obstacles. Based in San Francisco, we specialize in fast, flexible, equity-driven financing that allows you to make a strong offer, enjoy one smooth move, and sell your home on your own terms. When timing is critical, we’re here to make your transition clear, strategic, and hassle-free.
MORTGAGE BROKERS
At Golden Gate Lending Group, we partner with mortgage brokers who need fast, flexible solutions for clients navigating California’s competitive markets. Operating out of San Francisco, we specialize in equity-driven owner-occupied bridge loans, fix & flip financing, and hard money options that move at the pace your deals require. If your client needs to buy before selling, renovate before listing, or close quickly with private capital, we provide reliable structures, direct communication, and seamless collaboration with your team. Consider us your go-to lending partner when timing matters, contingencies need to disappear, and strategic funding makes all the difference.