We Provide Private Real Estate Loans Throughout California

HCS Equity – Private Lender

For more than 20 years, HCS Equity has used our own capital to provide private residential and commercial real estate loans to a variety of borrowers and transaction types throughout California. From hard money purchase loans to trust and estate equalization loans under Proposition 19/58 and everything in between, HCS Equity is your go-to company for asset-based lending in California.

We are focused on being a financial resource for property owners throughout California. We offer a broad range of private loan products to suit your needs, competitive rates and terms, and the highest level of service.

Private Loan Options

Loans to Trusts and Estates in Probate

Decades of experience. Swift review and approval.

Reverse Mortgage Payoff

Buy time to consider options.
Quick closing.

Fix and Flip Loans/REO and Distressed Property Loans

Competitive rates, fast closure.

1031 Exchange/Reverse 1031 Exchange Loans

Fast closing short-term gap cover for 1031 property exchange.

Bridge Loans

Bridging loans to cover the gap on residential and commercial property investments.

Second Trust Deeds

Flexible second trust loans secured on existing property.

What Our Clients Are Saying

Richard Steiny

23:24 02 Apr 26

HCS Equity is owned and run by two highly qualified individuals, both with strong business ethics. I have done business with them for approx 15 years and have found them to be communicative, timely, straight forward and really good at their trade. Highly recommend.

George Grengs

20:20 16 Mar 26

I’ve invested with Justin Aldi and Jordan Must for over 10 years and have nothing but good things to say about them and their investment vehicle – short term real estate loans backed by trust deeds and made at substantial discounts to appraised value. The best part of the experience has been the great service they provide. Good information is provided before each investment, including appraisals, and the individual loan background summary. When there are questions, they are answered promptly and thoroughly. Their back office includes long time employees who are friendly and efficient. Since these types of loans are costly for the borrower and there are no pre-payment penalties, they are typically paid off within 3-12 months, leaving little market risk with the secured property. I would highly recommend HCS Equity as a component to your investment profile.

ken wilson

22:57 11 Mar 26

done business with Justin for almost two decades - would not go anywhere else! Justin is thorough, careful and puts his own money into the same projects he puts me in. I've lent through him and borrowed from him. Experiences on both sides have been excellent.

Hilary Howard

18:47 11 Mar 26

I've been investing with Justin and Jordan at HCS Equity for several years now, and they've become an important part of my investment portfolio. If you're looking into first trust deed investing, these are your people.

Their honesty and integrity is what keeps me coming back. They walk you through exactly what you're investing in, what the risks are, and what to expect. That kind of integrity is hard to find.

I really appreciate their communication style, I'm never left wondering what's going on with my investments. Justin and Jordan are responsive, proactive, and they explain things in plain English without making you feel like you need a finance degree to keep up!

Returns have been solid. Year after year, they've delivered — which at the end of the day is what matters most.

I highly recommend HCS Equity if you're serious about trust deed investing.

Lee VanHouten

15:30 10 Mar 26

I’ve worked with Justin as a customer for more than 25 years, which says a lot about the trust I have in him and the team at HCS Equity.
What keeps me coming back is how careful and thoughtful Justin and Jordan are in the way they manage investments. They run their business with integrity and a very steady, disciplined approach.
Each year they provide a clear and insightful annual summary that helps me understand performance without all the noise you often see in traditional investing.
For me, HCS Equity has been a great alternative to the constant ups and downs of the stock and bond markets. After all these years, I can honestly say I trust them and highly recommend Justin, Jordan, and HCS Equity.

Tony Cutler

20:10 07 Mar 26

We needed to obtain a loan to our mother’s trust in order to equalize the estate between siblings and utilize the parent-child property tax exclusion. When my sister’s and I were referred to HCS Equity, we spoke with Justin and immediately felt like we were talking to the right person. He understood exactly what we needed to accomplish and supplied us with a detailed step-by-step guide.

Over the next three months, while the estate distribution details were being finalized, Justin consistently responded to our emails and phone calls with kindness and professionalism. Once all of our paperwork was complete, the loan was available within about a week.

We would highly recommend HCS Equity. Justin was incredibly helpful throughout the entire process and truly a pleasure to work with.

Jill Carrade

23:49 05 Mar 26

I had the opportunity to work with Ben Heilig at HCS Equity on a recent private loan transaction, it was an excellent experience from start to finish. Ben was strategic in his approach with my challenging client scenario and kept my client and I informed throughout the entire process. I truly appreciated Ben's partnership and can't wait to work with him again.

Mark Gole

18:16 05 Mar 26

I’ve done many deals over the years with HCS equity and am invested currently with them and there Wamm fund. I have had only positive experiences. Justin and Jordan are great to work with , and make themselves available if you any questions or concerns about your investment. I highly recommend investing in them

Krystal Greene Bennett

00:44 05 Mar 26

Working with Justin has been a wonderful experience. I was connected with him when I needed information regarding probate loans. It was new territory and I was nervous about the process. Justin explained everything well and immediately put me at ease. Since that first introduction, HCS Equity has been a life saver. Efficient, professional, timely-these are the words that best describe my experience with them. Questions were always answered quickly, loans were closed faster than I have ever experienced, the rates are competitive and the up front transparency of what they can and can not do eliminates so much wasted time. Justin is particularly wonderful to work with, as he is all of the descriptions above and works with you to find a solution to any problems that arise. Justin is always my first call for funding because he and HCS are so easy to work with. I HIGHLY recommend them and I am thankful that I was introduced to all that HCS offers through Justin.

Sigifredo Ponce (BHHS RTR)

00:13 05 Mar 26

I highly recommend Justin for anyone seeking a reliable hard money lender. He has been outstanding to work with extremely responsive, efficient, and always on top of every detail. Justin moves quickly and understands the importance of timing in real estate transactions. He consistently demonstrates professionalism, strong communication, and a solutions-oriented approach. Justin is always proactive and keeps things moving smoothly from start to finish. It has been a pleasure working with him, and I confidently recommend his services to anyone looking for a knowledgeable and dependable lending partner.

Dennis Scott

18:54 12 Sep 24

I had the privilege of working with Ben on a transaction recently in Santa Cruz, and I was so fortunate that he dealt with the financing for my buyer. He made the process so easy and smooth and he was able to overcome challenges through throughout the transaction that I don’t think any other lender would have been able to do. I look forward to working with him again on many more transactions in the future!

jessica espinola

23:10 25 Jul 24

It's been a great experience working with Justin Aldi. He's IT! Professional , knowledgeable, trust worthy and great communicator. We've been fortunate to purchase a few properties using his services and every time it's a smooth transaction.

Thank you!
Jessica

Raza Chishti

18:23 10 Jun 24

All the processes were easy and the people are very good in dealing as well.

Teresa Wolcott

15:18 02 Apr 24

Dealing with HCS Equity was my first experience at obtaining a loan. Ben Hellig made the process easy. He was responsive, informative and professional. If ever the need for a new loan, HCS Equity will be my first stop.

James Ziegler

23:20 19 Jan 24

Trusts and trust loans were new territory for me, I wasn’t even aware that a loan could be taken out against a trust. It turns out that I did need a short term loan to buy out a sibling and maintain the parent-child property tax reassessment exclusion. My estate lawyer referred me to Ben Heilig at HCS Equity and I could hardly believe how quickly he was able to put everything together. Ben was always available to answer my many questions in ways that made complete sense. He was friendly and patient. I was extremely impressed with Ben and HCS Equity and highly recommend them.

Annette Boggs

05:40 15 Jun 23

If you are looking for a hard money loan - Justin is your guy! From start to finish (6 days) he made the loan and funded it! He is honest, a good businessman, and very cordial. I will definitely recommend him to others looking for FAST MONEY.

Alis Whitman

23:35 01 Feb 23

The partners at HSC Equity are down-to-earth. They explain the terms of lending in a way that anyone can understand and feel comfortable with. There is no hard sell here, just knowledgeable people looking out for their client’s best interests. Every touch point with this firm has the feel of genuine white-glove service. It is a pleasure to work with them, and I highly recommend HSC Equity.

Rebecca Smith

19:11 12 Jan 23

Justin and his entire team are amazing. Easy to work with, and kept in constant communication, I never once had to follow up with them.

Brian Berman

19:21 17 Nov 22

Our attorney advised us to contact HCS Equity regarding a loan to our family's irrevocable trust. We worked with one of the managing partners, Ben Heilig, who was extremely knowledgeable, professional, kind and very patient with our endless questions and concerns. We closed on the loan a few weeks ago, and the process couldn't have been smoother from start to finish. We recommend Ben and his team to anyone in need of a loan for their family trust.

J M Clay

22:55 12 Oct 22

I am the successor trustee for my parents' family trust. Trust administration is new territory for me, so I was stressed about having to take out a trust loan. I spoke with a few lenders but decided to keep searching, which I am so glad I did or I would never have discovered HCS Equity. Their website clearly explained the process, and it made me feel comfortable enough to give them a call. I spoke with Ben, and like others have said, he is professional, patient and very knowledgeable, so I decided to proceed with HCS Equity. Each step of the way, Ben explained what to expect and what I needed to do. Closing of the trust loan was a breeze and a relief all due to Ben! Because of my positive experience with Ben and HCS Equity, the law firm that is assisting me with trust administration requested Ben's info so that their other clients can utilize his services. Thanks again Ben and HCS! I really appreciate all you have done!!

Scott Faverty

16:43 05 Oct 22

I contacted HCS Equity to request information about the trust lending process, and Ben Heilig took the time to explain everything in great detail. His professionalism, expertise, and patience guiding me through the process definitely put me at ease. It was a pleasure working with Ben, and I highly recommend HCS Equity if you are in need of a trust loan to buyout your siblings.

Clarice Henderson

00:20 04 Oct 22

One of the most difficult problems for Professional Fiduciaries is obtaining a third- party loan for their client. HCS Equity came to my "rescue" with their rescue reverse mortgage. Now I can continue to take care of my cash-strapped client without fear of creditors taking her assets. Thank you Ben, and HCS Equity!

Melynda Weilbacher

23:59 27 May 22

Justin and his team are the best of the best; going above and beyond for their clients. You will feel at ease with their expertise.

Kevin Jones

18:43 14 Sep 20

We have worked with Justin Aldi for over 20 years and he always delivers a great product and stellar service! Always going up and beyond to get our loans done, very reliable and is our go to for all of our loans! Thank you for all you have done for us and becoming a friend in the process!