--- title: Private Money Loans for Contractors | Herzer Financial description: Master construction finance for contractors with our comprehensive support and private lending resources designed to keep you informed and prepared. --- [Skip to content](https://www.herzer.com/contractors#main-content) [Herzer Finanical Herzer Financial logo ](https://www.herzer.com/?hsLang=en) - [Loans ](https://www.herzer.com/contractors#) - [ Loans Overview ](https://www.herzer.com/loans-overview?hsLang=en) - [ Construction Loans ](https://www.herzer.com/construction-loans?hsLang=en) - [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) - [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) - [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en) - [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) - [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en) ![Golden Gate Bridge](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Golden%20Gate%20Bridge.png?width=240&height=135&name=Golden%20Gate%20Bridge.png) [ Loans Overview ](https://www.herzer.com/loans-overview?hsLang=en) Financing options for your next construction project [ Learn More ](https://www.herzer.com/loans-overview?hsLang=en) ![New Row House Construction](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/New-Row-House-Construction.png?width=240&height=135&name=New-Row-House-Construction.png) [ Construction Loans ](https://www.herzer.com/construction-loans?hsLang=en) New construction loans for builders, developers, and homeowners [ Learn More ](https://www.herzer.com/construction-loans?hsLang=en) ![Men examinating home renovation](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Men%20examinating%20home%20renovation.png?width=240&height=135&name=Men%20examinating%20home%20renovation.png) [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) Fast, flexible financing for fix-and-flip projects [ Learn More ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) ![A worker smiling at a desk with a laptop](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Happy-woman-with-laptop.png?width=240&height=135&name=Happy-woman-with-laptop.png) [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) Bridge loans to help you secure a new home without selling your current one [ Learn More ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) ![Business owners standing in an empty new office](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Business-Owners-By-Empty-Office-Window.png?width=240&height=135&name=Business-Owners-By-Empty-Office-Window.png) [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en) Financing for apartments, office, retail, and more [ Learn More ](https://www.herzer.com/commercial-loans?hsLang=en) ![A worker installing a bay window](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Man-installing-bay-window.png?width=240&height=135&name=Man-installing-bay-window.png) [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) Financing and refinance options for property improvement [ Learn More ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) ![A couple receiving the keys to their new house](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Couple-with-new-keys-to-their-house.png?width=240&height=135&name=Couple-with-new-keys-to-their-house.png) [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en) Tailored loans to fund your homeownership goals [ Learn More ](https://www.herzer.com/purchase-money-loans?hsLang=en) ![](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Ebook-cover.png?width=178&height=230&name=Ebook-cover.png) Fast-Track Success: Finance and Build Spec Homes for Profit [ Download ](https://www.herzer.com/hubfs/Herzer%20Content/Fast-Track%20Success%20How%20to%20Finance%20and%20Build%20Spec%20Homes%20for%20Profit/Herzer%20Fast-Track%20Success%20How%20to%20Finance%20and%20Build%20Spec%20Homes%20for%20Profit%20Ebook.pdf?hsLang=en) - [Who We Serve ](https://www.herzer.com/contractors#) - [ Borrowers ](https://www.herzer.com/borrowers?hsLang=en) - [ Brokers ](https://www.herzer.com/brokers?hsLang=en) - [ Investors ](https://www.herzer.com/investors?hsLang=en) - [ Contractors ](https://www.herzer.com/contractors) - [ Deals Funded ](https://www.herzer.com/deals-funded?hsLang=en) - [Company ](https://www.herzer.com/contractors#) - [ About Us ](https://www.herzer.com/about?hsLang=en) - [ Meet the Team ](https://www.herzer.com/about#meet-the-team) - [Resources ](https://www.herzer.com/contractors#) - [ Blog ](https://www.herzer.com/blog?hsLang=en) - [ Resource Center ](https://www.herzer.com/resource-center?hsLang=en) - [ Documents ](https://www.herzer.com/documents?hsLang=en) - [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) - [ Apply to Invest ](https://www.herzer.com/apply-to-invest?hsLang=en) # For Contractors Common sense financing for your next project [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) ![Mature-Contractors-Working](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Mature-Contractors-Working.jpg?width=880&height=680&name=Mature-Contractors-Working.jpg) ![Contractor-and-Consultant-on-a-job-site-1](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Contractor-and-Consultant-on-a-job-site-1.jpg?width=800&height=800&name=Contractor-and-Consultant-on-a-job-site-1.jpg) Who We Are ## Your Go-To Choice As a leading private lending resource, we provide comprehensive support to help contractors master construction finance. We offer essential knowledge on financial literacy, contract management, risk mitigation, financing options, legal compliance, and much more. As the construction industry evolves, count on us to keep you informed and well-prepared for financial challenges. [ About Us ](https://www.herzer.com/about?hsLang=en) What We Offer ## Contractor Support Get everything you need to master construction financing. Basic Financial Literacy Construction Finance Contract Management Risk Management Financing Options Legal and Regulatory Compliance Taxation Project Management Software Market and Industry Knowledge Communication and Negotiation Continuing Education Networking Basic Financial Literacy Construction Finance Contract Management Risk Management Financing Options Legal and Regulatory Compliance Taxation Project Management Software Market and Industry Knowledge Communication and Negotiation Continuing Education Networking ![Financial Consultant and Client in an office](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Financial-Consultant-and-Customer.jpg?width=900&height=330&name=Financial-Consultant-and-Customer.jpg) ### Basic Financial Literacy We empower you to effectively manage project finances and ensure that you have a strong foundation in essential financial concepts. This includes budgeting, cash flow management, financial statements, and accounting principles. ![House blueprints in a construction site](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/House-Plans.jpg?width=900&height=330&name=House-Plans.jpg) ### Construction Finance We're committed to equipping you with vital construction finance knowledge, enabling you to excel in cost estimation, project budgeting, and expense control for precise project estimates and accurate cost tracking. ![Two people looking over a construction contract](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Two-people-with-contract.jpg?width=900&height=330&name=Two-people-with-contract.jpg) ### Contract Management We help you understand the diverse types of contracts and their financial implications. This empowers you to negotiate and manage contracts effectively, ensuring financial viability and alignment with the project's financial objectives. ![Two people working on contracts in an office](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Two-people-working-on-contracts.jpg?width=900&height=330&name=Two-people-working-on-contracts.jpg) ### Risk Management We offer resources and guidance to help you recognize and manage risks, including insurance options, legal obligations, and contingency planning, ultimately enhancing your project's financial security. ![Contractors Shaking Hands on a job site](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Contractor-Shaking-Hands.jpg?width=900&height=330&name=Contractor-Shaking-Hands.jpg) ### Financing Options We equip you with the expertise to assess the costs and benefits of financing options like loans, lines of credit, and partnerships, enabling you to secure project funding. ![Two businesspeople shaking hands over a contract](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Legal-advice.jpg?width=900&height=330&name=Legal-advice.jpg) ### Legal and Regulatory Compliance We keep you well-versed in local, state, and federal regulations, allowing you to maintain financial practices and contracts that align with all relevant laws and regulations. ![Person doing taxes on a laptop](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Person-doing-taxes.jpg?width=900&height=330&name=Person-doing-taxes.jpg) ### Taxation We optimize your financial strategies through comprehensive knowledge of tax implications in construction projects, including deductions, credits, and reporting requirements. ![Contratcors using software on a laptop while at a job site](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Contratcors-using-software.jpg?width=900&height=330&name=Contratcors-using-software.jpg) ### Project Management Software We help you achieve proficiency in project management software with robust financial tracking and reporting capabilities, streamlining your financial management and reporting processes. ![A person conducting market research on a tablet in an office](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Market-Research.jpg?width=900&height=330&name=Market-Research.jpg) ### Market and Industry Knowledge We keep you informed about market trends, economic conditions, and industry-specific factors that influence your project financing decisions. ![Contractor on the phone](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Contractor-on-the-phone.jpg?width=900&height=330&name=Contractor-on-the-phone.jpg) ### Communication and Negotiation We develop and enhance your communication and negotiation skills to help you secure project financing and build successful partnerships. ![Woman working on laptop while taking notes on paper](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Woman-working-on-laptop-learning.jpg?width=900&height=330&name=Woman-working-on-laptop-learning.jpg) ### Continuing Education We are committed to fostering your professional development through ongoing education, keeping you up-to-date with the latest trends and best practices in construction finance as the industry evolves. ![Team of contractors smiling together](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/7.%20Contractors/Team-of-contractors-smiling.jpg?width=900&height=330&name=Team-of-contractors-smiling.jpg) ### Networking We facilitate your relationships with financial professionals, lenders, and fellow contractors, creating opportunities for valuable insights and collaboration in financing and construction. Who We Serve ## Borrowers, Brokers and Investors morbi malesuada Dictumst tortor, sem duis ullamcorper. Porttitor elementum elementum, dolor. ![home mortgage icon](https://www.herzer.com/hubfs/Herzer_2024/icon-mortgage-loan.svg) **Borrowers hac venenatis** Purus consequat ornare quis enim sit quam neque, volutpat. Tristique venenatis in gravida sed non duis nisl. ![home mortgage icon](https://www.herzer.com/hubfs/Herzer_2024/icon-mortgage-loan.svg) **Borrowers hac venenatis** Purus consequat ornare quis enim sit quam neque, volutpat. Tristique venenatis in gravida sed non duis nisl. ![home mortgage icon](https://www.herzer.com/hubfs/Herzer_2024/icon-mortgage-loan.svg) **Borrowers hac venenatis** Purus consequat ornare quis enim sit quam neque, volutpat. Tristique venenatis in gravida sed non duis nisl. ![home mortgage icon](https://www.herzer.com/hubfs/Herzer_2024/icon-mortgage-loan.svg) **Borrowers hac venenatis** Purus consequat ornare quis enim sit quam neque, volutpat. Tristique venenatis in gravida sed non duis nisl. ![placeholder-800x600](https://142915.fs1.hubspotusercontent-na1.net/hub/142915/hubfs/_smartstart/placeholder-800x600.jpg?width=800&height=600&name=placeholder-800x600.jpg) ## Lorem ipsum dolor sit amet condimentum Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Maecenas faucibus mollis interdum. Vestibulum id ligula porta felis. Vivamus sagittis lacus vel augue. Optional secondary link Secondary video link ![placeholder-800x600](https://142915.fs1.hubspotusercontent-na1.net/hub/142915/hubfs/_smartstart/placeholder-800x600.jpg?width=800&height=600&name=placeholder-800x600.jpg) ## Lorem ipsum dolor sit amet condimentum Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Maecenas faucibus mollis interdum. Vestibulum id ligula porta felis. Vivamus sagittis lacus vel augue. Optional secondary link Secondary video link ![placeholder-800x600](https://142915.fs1.hubspotusercontent-na1.net/hub/142915/hubfs/_smartstart/placeholder-800x600.jpg?width=800&height=600&name=placeholder-800x600.jpg) ## Lorem ipsum dolor sit amet condimentum Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Maecenas faucibus mollis interdum. Vestibulum id ligula porta felis. Vivamus sagittis lacus vel augue. Optional secondary link Secondary video link Quick Facts ## A Measure of Success We've been in the California lending business longer than most banks. ### 0+ Year Track Record ### 0+ Loans Closed ### $0B+ in Closed Loans Lorem overline ## Take a tour lorem ipsum Dictumst tortor, sem duis ullamcorper. Porttitor elementum elementum, dolor. ![placeholder-1200x675](https://142915.fs1.hubspotusercontent-na1.net/hub/142915/hubfs/_smartstart/placeholder-1200x675.jpg?width=1200&height=675&name=placeholder-1200x675.jpg) **Feature description donec ullamcorper nulla non metus** auctor fringilla. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Sed posuere consectetur est at lobortis. Optional learn more about lorem ![placeholder-1200x675](https://142915.fs1.hubspotusercontent-na1.net/hub/142915/hubfs/_smartstart/placeholder-1200x675.jpg?width=1200&height=675&name=placeholder-1200x675.jpg) **Feature description donec ullamcorper nulla non metus** auctor fringilla. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Sed posuere consectetur est at lobortis. Optional learn more about lorem ![placeholder-1200x675](https://142915.fs1.hubspotusercontent-na1.net/hub/142915/hubfs/_smartstart/placeholder-1200x675.jpg?width=1200&height=675&name=placeholder-1200x675.jpg) **Feature description donec ullamcorper nulla non metus** auctor fringilla. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Sed posuere consectetur est at lobortis. Optional learn more about lorem Testimonials ## What Our Customers Say Risk-averse banks concede to investors great opportunities in private money real estate lending. Herzer Financial yields solid returns over time by selectively lending to otherwise qualified borrowers. Trust Deed Investor ![Wood Framing on New Townhouse](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Wood%20Framing%20on%20New%20Townhouse.png?width=880&height=680&name=Wood%20Framing%20on%20New%20Townhouse.png) Herzer Financial is able to put together complex loans, bridge loans, and fix-and-flip loans that banks either can’t or won’t do. While unpalatable for banks, they provide consistent payoffs for savvy investors. John, Investor ![Painting house wall facade during exterior renovations](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Painting%20house%20wall%20facade%20during%20exterior%20renovations.png?width=880&height=680&name=Painting%20house%20wall%20facade%20during%20exterior%20renovations.png) My wife and I needed a bridge loan while we put our home on the market. We were surprised to learn that banks wouldn’t fund people in our situation. Herzer Financial made it possible to buy our new dream home without having to sell our prior home first. Homeowner/Borrower ![Mature couple hugging while moving into new house](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Mature%20couple%20hugging%20while%20moving%20into%20new%20house.png?width=880&height=680&name=Mature%20couple%20hugging%20while%20moving%20into%20new%20house.png) Herzer Financial Blog ## Lending Insights Learn more about private real estate lending and how it can help you. [ Read Our Blog ](https://www.herzer.com/blog?hsLang=en) ![A person sitting at a desk writing on documents. A hard hat, laptop, and measuring tape are placed on the desk. ](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Herzer%20Blog%2033%20-%20Can%E2%80%99t%20Find%20Your%20Dream%20Home%3F%20Build%20It%20Yourself.png?width=768&height=512&length=768&name=Herzer%20Blog%2033%20-%20Can%E2%80%99t%20Find%20Your%20Dream%20Home?%20Build%20It%20Yourself.png) For Borrowers ### Can’t Find Your Dream Home? Build It Yourself [Read More](https://www.herzer.com/blog/build-dream-home?hsLang=en) ![Investor examining the benefits of investing in hard money construction loans on a tablet](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Blog%20%2331%20Should%20I%20Invest%20in%20Hard%20Money%20Construction%20Loans%3F.png?width=768&height=512&length=768&name=Blog%20%2331%20Should%20I%20Invest%20in%20Hard%20Money%20Construction%20Loans?.png) For Investors ### Should I Invest in Hard Money Construction Loans? [Read More](https://www.herzer.com/blog/should-invest-construction-loans?hsLang=en) ![Financial professional explaining the benefits of alternative investments to her client](https://www.herzer.com/hs-fs/hubfs/Blog%20Images/Exploring%20Alternative%20Investments%20for%20Diversified%20Portfolios%20Blog%20Image.png?width=768&height=512&length=768&name=Exploring%20Alternative%20Investments%20for%20Diversified%20Portfolios%20Blog%20Image.png) For Investors ### Exploring Alternative Investments for Diversified Portfolios [Read More](https://www.herzer.com/blog/exploring-alternative-investments?hsLang=en) ![Investor learning about the benefits of real estate debt funds](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Decoding%20Real%20Estate%20Debt%20Funds%20A%20Quick%20Guide%20Blog%20Image.png?width=768&height=512&length=768&name=Decoding%20Real%20Estate%20Debt%20Funds%20A%20Quick%20Guide%20Blog%20Image.png) For Investors ### A Quick Guide to Decoding Real Estate Debt Funds [Read More](https://www.herzer.com/blog/decoding-debt-funds?hsLang=en) ![An accessory dwelling unit (ADU) on a lush green property. ](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Blog%20%2332%20What%20Is%20an%20ADU%3F.png?width=768&height=512&length=768&name=Blog%20%2332%20What%20Is%20an%20ADU?.png) Residential Real Estate ### What Is an ADU? [Read More](https://www.herzer.com/blog/what-is-adu?hsLang=en) ![Investor standing by window with a laptop, learning why diversification is important.](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Herzer%20-%20Why%20Diversification%20is%20Important%20to%20Your%20Investment%20Strategy%20Blog%20Image.jpeg?width=768&height=512&length=768&name=Herzer%20-%20Why%20Diversification%20is%20Important%20to%20Your%20Investment%20Strategy%20Blog%20Image.jpeg) For Investors ### Why Diversification Is Important to Your Investment Strategy [Read More](https://www.herzer.com/blog/why-diversification-is-important-investment-strategy?hsLang=en) Ready to Get Funded? ## Apply Today! ### Complete the form below. Our loan officer will be in touch shortly to discuss your options. [![Herzer logo](https://www.herzer.com/hubfs/Herzer_2024/logo-herzer-blue-2.svg "Herzer logo")](https://www.herzer.com/?hsLang=en) [ Contact Us ](https://www.herzer.com/apply-for-a-loan?hsLang=en) [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) [ Apply to Invest ](https://www.herzer.com/apply-to-invest?hsLang=en) [ +1 (650) 363-8003 ](tel:+16503638003) [ 2714 V St Sacramento, CA 95818 ](https://www.google.com/maps/place/2714+V+St,+Sacramento,+CA+95818/data=!4m2!3m1!1s0x809ad0f1bfe9367f:0xc5ff42e3be807c8?sa=X&ved=1t:242&ictx=111) ### Join Our Mailing List Follow Us [Loan Overview ](https://www.herzer.com/contractors#) - [ Construction Loans ](https://www.herzer.com/construction-loans?hsLang=en) - [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) - [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) - [ Consumer Purchase or Refinance Loans ](https://www.herzer.com/consumer-purchase-or-refinance-loans?hsLang=en) - [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en) - [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) - [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en) [Who We Serve ](https://www.herzer.com/contractors#) - [ Borrowers ](https://www.herzer.com/borrowers?hsLang=en) - [ Brokers ](https://www.herzer.com/brokers?hsLang=en) - [ Investors ](https://www.herzer.com/investors?hsLang=en) - [ Contractors ](https://www.herzer.com/contractors) [Company ](https://www.herzer.com/contractors#) - [ About Us ](https://www.herzer.com/about?hsLang=en) - [ Meet the Team ](https://www.herzer.com/about#meet-the-team) [Resources ](https://www.herzer.com/contractors#) - [ Blog ](https://www.herzer.com/blog?hsLang=en) - [ Resource Center ](https://www.herzer.com/resource-center?hsLang=en) Copyright © 2026 Herzer Financial Group - [Privacy Policy](https://www.herzer.com/privacy-policy) Real Estate Broker — California Dept. of Real Estate License #00417082 Loans are made or arranged pursuant to a California Finance Lender's License #6054500 Nationwide Mortgage Licensing System #314253