Google 5-Star Rated Direct Hard Money Lender
The Fastest, Easiest Way To Get A Hard Money Loan
Applying for a loan shouldn’t be complicated. With our simple process, find out if you’re approved in a matter of minutes!
As a direct, California hard money lender with over fifteen years of proven success, we have funded over $400 million in commercial and residential loans secured by real estate. Source Capital is an equity based lender that has the ability to fund quickly and are committed to making your California hard money loan process efficient. We are State and Federally licensed in Arizona, California, Minnesota and Texas and proud to be an A+ Accredited Business with the BBB and a 5-Star rated Google and Yelp lender.
The Source Capital Difference
We are proud to be a Better Business Bureau “A+” rated Accredited Business since 2010.
Clients Love Us
We are a premier 5-star rated lender on Google and Yelp for a reason. We deliver as promised.
We Can Help
Poor credit, bankruptcy, foreclosure, self-employed or foreign national? No problem.
Total Amount Funded
- No Prepayment Penalties
- No Income Requirements
- No Minimum FICO Scores
- Direct Lender
- Fast Approval and Funding
- Minimal Paperwork
- Past BK, Foreclosure – OK
- Foreign Nationals – OK
- Owner Occupied – OK
Over 250+ Google Reviews and Counting
“The staff at Source Capital has helped me create new income streams. They are consistent, direct and deliver every time.”
“As a lender myself, working with Source Capital shows that there are still a lot of good people in our industry, and we will definitely be in connection to do future business together. Job well done.”
“We were very pleased with the service we received from Source Capital. Communication was clear and responsive, funding was quick, and terms were as agreed and proposed.”
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game”
“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
“I have never dealt with a hard money lender before but I can tell you my experience with Source Capital was very positive. I highly recommend”
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future. “
How It Works
1. Apply Online
It takes less than 10 minutes to complete our simple, online loan application in order to get the answers you need.
2. Get Approval
Within 24 hours of receipt of your loan application, we will provide you a written offer disclosing all terms in a clear, easy to understand manner.
3. Loan Funded
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
4. Pay Monthly
You make monthly payments to us via mail, phone or direct deposit. It’s that easy.
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a specific type of asset-based financing where a borrower receives funds secured by equity in real estate. A California hard money lender like Source Capital is mainly focused on the equity in real estate as opposed to borrower credit and financials. Our hard money loans are used for projects lasting anywhere from one to three years.
What if I have a low credit score?
Source Capital focuses mainly on the equity in the property to secure the loan so we are able to look beyond borrower past circumstances. We will make every attempt to structure a hard money loan and work directly with you to ensure you get the funding you need at the best terms possible.
What types of loans do you do?
We fund hard money loans secured by residential and commercial real estate for business purposes only. This includes purchases for investment properties and loans for business use (payroll, inventory, etc.). As a direct California hard money lender, we also fund bridge loans for 12 months or less. Contact us directly with your scenario to see if you qualify.
How long does the loan process take?
Because we are a direct hard money lender, we typically can approve loans in 24 hours and fund loans within 7 days from initial contact. Our automated hard money loan process and direct access to capital allows for quick decisions and funding.
How do I apply?
It’s simple. You can either complete our online loan submission, email or call us directly. We find it is easiest to talk through your loan scenario as we can determine in a matter of minutes, once we have a few simple questions answered, if we can help.
How do I know what my rate will be?
All of our California hard money loans have fixed, interest-only rates starting at 8.99% but are subject to a variety of factors. Source Capital needs minimal information from you in order to provide you a written offer. It’s fast, easy and FREE to apply so start now.
Where We Lend
Source Capital Funding, Inc is currently licensed to conduct mortgage lending activities in the following states through each governing body:
We are also federally with the Nationwide Mortgage Licensing System (#237332).
As Featured In
What We Lend On
Single Family Residence
Condominium / Apartment
Duplex, Triplex, Quadriplex
Office and Retail
Storage, Hospitality, Industrial
Fix and Flip
Buy and Hold
A Premier Hard Money Lender
Source Capital is a direct, private hard money lender in Arizona, Minnesota, and California, but we specialize in San Diego and Los Angeles hard money loans. We provide our clients with hard money loans to satisfy residential or commercial hard money lending needs. We are a reliable, experienced lender (Better Business Rating of A+) with a proven track record in the industry enabling us to solve whatever issues you may have. We’ve funded over $400M in commercial loans and residential loans since 2007, with many satisfied customers along the way. At Source Capital, you will speak with a partner of the company who can actually make the decision on your hard money loan process, so you won’t face many of the administrative hurdles and paperwork you might face elsewhere. Even if you have poor credit, foreclosure, or bankruptcy in your history, whether you want to fix and sell or just hold onto a property, we can provide the financing you need as quickly as possible. We offer loans up to 65% of the value of property for residential and commercial hard money loans.
We are committed to making your hard money loan process fast and easy, without sacrificing any of the attention to detail needed to make sure the job gets done thoroughly. The fact that we have direct and immediate access to capital means that you go quickly from start to finish in getting your hard money loan funded. Most importantly, our goal is to provide you with the best customer service in the industry to uphold our reputation of being a Google and Yelp “5 Star Lender”.