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Charger Funding is a U.S.-based private money / hard money lender focused on California. Founded in 2008, it discloses its legal entity as Labrador Consulting Inc. dba. It is not a payment gateway or acquiring institution; instead, it provides short-term hard money loans for commercial purposes to real estate investors, borrowers, brokers, and real estate professionals, with particular emphasis on situations where a deal “must close quickly.”
According to the website, its core products include residential fix & flip, rehab-and-resale, renovation, buy-and-hold, cross-collateralized loans, and entity loans for LLCs, corporations, trusts, and similar structures. Eligible collateral types include single-family homes, apartments/condominiums, duplexes to fourplexes, multifamily properties, offices, retail, warehouses, hotels, industrial properties, and more. Its coverage is clearly concentrated in California, with nearly all California counties listed. The main loan range is $100,000 to $2 million, while the site also notes that investors have previously handled loans from $50,000 to around $3 million.
Pricing transparency is relatively low. The website does not publish details such as interest rates, points, origination fees, or prepayment penalties; it only states that hard money loans are typically more expensive than bank loans and that rates must be discussed by phone. Speed is its main selling point: the site says it has completed deals in as little as 3 business days, with a typical timeline of 1–2 weeks, making it clearly geared toward transactions where bank financing is too slow or has been declined.
On the compliance side, the website discloses California DRE #01888960 and NMLS #999380, and states that it is state and federally licensed and registered. Its risk-control approach is more asset-collateral based, emphasizing the collateral, overall deal strength, and LTV as more important than credit score, but it does not disclose specific LTV limits, valuation procedures, or document checklists. There is no mention of APIs, an online application system, or payment integration capabilities; the application process appears to rely mainly on phone communication.
Its strengths are its deep focus on California, long operating history, and ability to handle time-sensitive deals and non-standard borrower scenarios. Its drawbacks are that costs are higher than bank financing, fees are not transparent, and both its geographic and product scope are relatively narrow. It is best suited for California real estate investors, fix-and-flip operators, borrowers who need to close escrow quickly, and those with collateral who may not fit traditional bank underwriting. The review does not provide information on access from China, so this cannot be assessed.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on chargerfunding.com official site.
chargerfunding.com is an United States Finance provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach chargerfunding.com directly.