Agoura Hills Financial
Agoura Hills Financial is a California private money lender. It makes business-purpose loans secured by real estate and also lets investors fund trust deeds. As of November 2026, its rate sheet lists interest-only loans of $50,000 to $2.5 million at 8.49% to 12.99%. Its licensed office is in Calabasas, California.
What Agoura Hills Financial offers
- 1-4 unit residential: First liens at 8.49% to 9.99% and second liens at 8.99% to 10.99%, up to 65% loan-to-value, for 3 to 5 years. Owner-occupied homes qualify only for business-purpose loans.
- Fix-and-flip and construction: 9.99%, up to 65% of the after-repair value, for 3 to 12 months.
- Commercial, multifamily, mixed use and industrial: 8.99% to 11.99%, at 60% to 65% loan-to-value, for 3 to 5 years.
- Land: 10.99% to 12.99%, up to $1.5 million at 30% loan-to-value, for 2 years.
- Upfront cost: 2% to 6% of the loan, depending on type. Most loans carry a 6-month prepayment period. The site says terms can change and the sheet isn’t a commitment to lend.
Who it may suit, and who should look elsewhere
Right for you if:
- You own California investment or business property with at least 35% equity.
- You need speed. The site advertises approval within 24 hours and funding in as little as 5 days.
Not right for you if:
- You want a loan on your own home for personal use.
- You can’t sell or refinance before the term ends. With interest-only payments, the full balance is still due at the end.
Before you apply
The California Department of Real Estate lists Agoura Hills Financial Inc under license 01890010 as licensed through July 2030. The company’s site also lists a California Finance Lenders license, 603i446.
The site advertises equity-based loans and says “No FICO is too low.” That means the property, not your credit score, carries the risk if you fall behind. Ask for the points, fees and prepayment terms in writing, and add them to the interest to see the full cost. The company’s phone is 818-707-3452.
Our guide on how to check if a lender is licensed explains state lookups. For other choices, see our business loans guide and secured vs. unsecured loans.
