Licensed, not just listed
Licence information is published and independently verifiable through the links in our footer.
Licensed Private Lender · California
The financing partner who actually picks up the phone.
Private money, commercial, construction and multifamily loans — typically approved in 24 hours and funded in five to seven days, subject to underwriting. Real people, real numbers, since 2002.
Answered by a real person during business hours — or apply online any time.
Indicative Terms
All Programs
Approval*
in as little as 24 hours.
Funding*
in as little as 7 days.
Max Loan
$75M
Private and institutional capital for luxury residential, commercial, construction and apartment properties.
Rates and terms shown are indicative, subject to change without notice, and subject to underwriting approval. This is not a commitment to lend.
*Subject to terms and conditions.
756+
Funded to Date
5–7
Average Days to Close
24
Years, Since 2002
Why Borrowers Trust Us
Six reasons people call before they call anyone else.
We move at your pace
Most borrowers hear back within 24 hours and fund in five to seven days — not five to seven weeks.
A real office
Torrance, California. Come in, or call and a person picks up.
A+ rated with the BBB
Accredited Business status with the Better Business Bureau, current rating A+.
Your information stays yours
We never sell your information, and we never share it with anyone for their own marketing. Loan-related sharing with title, escrow, appraisal and servicing partners is set out in our Privacy Policy.
24 years, 756+ funded
In business since 2002, funding private, commercial, construction and multifamily loans across California.
Loan Programs
Four programs, one fast underwriting desk.
Every file is read by the same desk that signs off on it. No committee, no handoff to a branch three states away.
Torrance Client Feedback
What borrowers say about US Lending & Company
Yelp4.7 / 512 reviewsSelected positive Yelp reviews from home buyers and refinancing clients who worked with our Torrance mortgage lending team. Each summary is paraphrased; follow the Yelp link to read the original reviews.
★★★★★
Daniela appreciated Ernest’s guidance throughout the home-buying process and described Lissett Acuna’s financing support as clear, professional and dependable, helping keep the purchase on schedule.
★★★★★
After working with US Lending on an original home purchase and later refinancing, Alphy highlighted Lissett and Mac’s friendly help, clear communication and fast responses.
★★★★★
A returning client praised the team’s track record, professionalism and knowledge, noting that US Lending communicated throughout the process and made the business feel valued.
★★★★★
Angel described a friendly, professional refinance experience with a processor who stayed in contact and answered questions throughout the transaction.
★★★★★
Alejandra said her experience with Lissette Acuna was smooth, professional and highly satisfying, and she would confidently recommend her services.
★★★★★
Trish valued the prompt same-day communication during her refinance and said the loan officer and staff consistently kept her updated throughout the process.
★★★★★
As a first-time buyer, Peter appreciated Berenice’s willingness to answer questions and the team’s quick responses to messages and emails.
★★★★★
Connie said Lissett accommodated a busy schedule through text and email, stayed on top of loan updates and helped make the refinance go smoothly.
★★★★★
Alex reported an easy remodeling-loan process, competitive rates, prompt returned calls and a closing completed in about three weeks.
Read all 12 reviews on Yelp →
Selected positive reviews, paraphrased for length. Yelp and related marks are trademarks of Yelp Inc.
Referral Partners
Refer a client, keep the relationship.
Brokers and referral partners are paid on time, protected from disintermediation, and never sold or passed to anyone for marketing. If your client comes back to us, they are referred back to you.
Submit a Referral →
Common Questions
Answered plainly, no fine print.
Still have questions?
(800) 943-1314 →
Yes. We're licensed under and , and we're an accredited, A+ rated business with the Better Business Bureau.
Most applications are approved within 24 hours, with documents signed and funds released in five to seven days from a completed application.
We never sell it, and we never share it with anyone for their own marketing. Completing a loan does require sharing information with the parties the transaction needs — title, escrow, appraisal and loan servicing — and with regulators where the law requires. Our Privacy Policy sets out exactly who and why.
We're based in Torrance, California, and primarily fund California real estate; our broker referral network reaches partners nationwide.
Call us at (800) 943-1314 and describe the property and timeline. We'll point you to Private, Commercial, Construction or Multifamily financing, or tell you honestly if it's not a fit.
Our programs are built for investment and business-purpose real estate — luxury residential held as investment, commercial, construction and multifamily. Call us with the specifics and we'll tell you straight away whether it fits.
Ready to talk about your deal?
Most files are approved in 24 hours and funded in five to seven days. Call and a person picks up.