Hard Money Lenders California

Reputation Matters

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.

APPLY NOW

Fixed Rates from 8.99%
No Prepayment Penalties, No Junk Fees
Lender Fees from 1.75 Points
Loans up to 65% LTV and 3 Year Terms
Poor Credit, Past Bankruptcy and Foreclosure, Foreign Nationals – OK
Pre-Approvals within 24 hours, Funding in Days
Direct Lender with Over $250M in Loans Funded
Fast Streamlined Process to Save You Time and Money
BBB A+ Rated, 5 star Google & Yelp Reviewed Lender

Call us now at 888.334.6636 and speak directly to a decision maker. If you want us to contact you, please complete the form on this page.

California Hard Money Lenders and Loans

We have the experience, capital and flexibility to help finance your loan

Loan Request

Get a free, no-obligation quote in minutes and a decision maker will contact you right away.

What We Offer

Same Day Approvals
Rates starting at 8.99% Interest
Poor Credit OK
No Debt to Income Requirements
No Prepayment Penalties
$20,000 to $10,000,000
Residential, Commercial, Industrial
1st & 2nd Trust Deeds
up to 65% Loan to Value
Up to 50% Combined Loan to Value
Closings in 7-10 Days

What Is Hard Money?

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General Terms and Conditions

No Prepayment Penalties

Rates from 8.99%

Loan To Value up to 65%

Terms Up To 36 Months

Origination Fees From 1.75%

We have some of the most favorable terms in the industry and understand how important it is to offer our clients fair terms. Our customers can count on never having to be penalized for paying off a loan early or be hassled with “junk fees” and ridiculous terms. Call or apply now and see just how great our terms are. It’s fast, easy and most important- free!

NOTE: All loans are secured by real estate only.

As Featured In

Google Rating

4.9

Based on 315 reviews

Source Capital Funding, Inc. - Direct Hard Money Lender

4.9

Kathryn N.

1695420887

Working with Source Capital Funding has been a truly enjoyable experience. Ryan and his whole team are always professional, friendly and positive, even when things don't go as expected. I highly recommend them for any services they offer!

Masdouk A.

1694868833

Amazing experience working with Source Capital team. Their expertise, communication, and efficiency were top-notch. Highly recommended for any business seeking capital.

EBP

1694527666

Great service, fast, efficient, professional, and personable. Sacha, the team member I worked with, actually spoke with the Escrow Company several times to help expedite the funding of my loan. The application process from start to finish is quick and easy. I highly recommend Sacha and his team at Source Capital Funding, Inc.

Main C.

1690822703

I was referred to Sacha for funding from a referral source on a tough file in TX. Sacha is a great guy. He's easy to talk to and is very transparent about everything. The whole process from A-Z was seamless. I would highly recommend Sacha and his company.

Veronica A.

1690559510

I was having a hard time sourcing my funding and I was referred to Source Capital Funding Inc. Everything was online which made the process simple and fast. We were able to fund in a short period of time. It's been the best lending experience I've had.

Sam R.

1688750061

Angie F.

1686634105

"I have worked with hard money lenders in the past but no one like this guys. Very quick closing and no hassle. I was very pleased with the way the staff works with you closely and very quickly in resolving any issue that arises. I personally worked with Sacha and Marie who answered every question I had. They were on top of my loan, making sure the closing went quickly. They were AWSOME!!! I will definitely use them again in the future. Highly recommend".

Douglas B.

1685569749

I can't say more than enough about my experience with Source Capital. They went above and beyond my expectations. The communication from both Ryan and Marie from beginning to the end is what really made the deal. I interviewed two other lenders and it didn't seem like they would be able to structure the deal in the timeframe needed to make the close date. When I emailed a question I either had a fast reply from Marie or Ryan was calling me to answer my questions.I look forward to doing more deals with SCF.

Robert S

1685403395

I have met Ryan Burns a few times and it's always been a pleasure being in his company. He's been helpful and honest with me with matters that I needed feedback on. He just informs and allows me to decide for myself on the issue.

Harshdeep S.

1684435139

We were having a hard time sourcing some last minute funding and I came across Source Capital Funding, Inc online and decided to call based on the reviews and I’m very glad I did! Sacha was open and honest about expectations from the first day, and after the first call he let me know whether he could do the deal or not in 24 hours. The process was simple and efficient, and we had the loan approved within the first 2 weeks. There were no surprises about fees or paperwork, everything was laid out to me right from the start and nothing changed through the process. Absolutely amazing service and I would definitely recommend to anyone looking to source some capital for their deals!

Ernesto A.

1684179982

A pleasure to have worked with Source Capital Funding, especially with Sacha Ferrandi. Your service is excellent and very professional. Obtaining the loan was quick and without much bureaucracy. I recommend it 100%

Western H.

1683737891

I was having a hard time finding a Hard Money Lender for our client and stumbled upon Source Capital Funding, Inc. I noticed they had great ratings, so I contacted them and spoke to Sacha. He was direct and to the point, very helpful. The staff was great to work with and very responsive. We were able to close quickly with no issues. I look forward to using them again in the near future and would definitely recommend them.

AP 1.

1683214779

A good and efficient company well run... great service

Rene N.

1682704794

I am very impressed with Source Capital Funding. Sacha and his team are very friendly and professional and I would definitely recommend them. I hope to do business with Source Capital again in the future. What I believe sets them apart from other lenders is the total transparency about the service they provide as well as the high level of dedication and attention given to their customers. If you need funding, give them a try. They will provide you with a fast and easy lending experience.

Jaclyn M C.

1678393565

Sacha and team were wonderful to work with from start to finish. This is the second time we’ve closed with Source Capital and not only were they quick to get the closing completed in our time frame but also communicated every step of the way. I highly recommend Source Capital!!

B Ward J.

1677842217

I spent a lot of time trying to get a cash out refinance on a home I purchased through my LLC. This was nearly impossible without first taking it out of my LLC and then put it back at a later date (or so I was told by so many financial institutions). I owned the home entirely and should have been a no-brainer to use the equity in this fully remodeled home. After some extensive and exhausting research, along came came Source Capital one of the last shots at getting this done. What a world of difference!In these crazy times to find this company was/is simply amazing! Ryan Burns Spoke with me and listened to what I was looking to do and to my surprise understood exactly what I wanted, and still keep it in my LLC. Working with him and the wonderful Marie Gleason who walked me through the entire paperwork process, and insured everything was processed just how I had envisioned it. I cannot thank these wonderful people enough. They helped my business when I needed it the most, andand in a wonderfully short time the whole package was done and funded. I will definitely go to them for my future needs.

Maria D.

1677777772

Amazing company to work with. Their brokers are the best.

Kim D.

1677162458

A great group of people that will get the job done and make sure you have a great experience.

Justin C.

1676318653

Fast and efficient!

Maria N.

1676060185

WOW Sacha did it again I got a second loan approved and closed in a snap. I highly recommend Source Capital Funding, Inc.

George C.

1674970580

For the past few weeks, I have been working with Source Capital Funding in obtaining a short-term loan. They were very helpful in guiding me through the loan process and we were able to close the transaction within a short period of time.

mm M.

1673131952

UPDATE: three years later and we hav once again worked with Source Capital Funding. Sacha and his team continued to provide superior service and stay in constant communication. What a pleasure to work with them!Great experience! Sacha and his staff were very efficient and kept me informed every step of the way. Open communication and no surprises. Funded quickly. I would highly recommend Source Capital Funding. We were very pleased and look forward to working with them again.

Carlos C.

1672796144

IMPRESSIVE! I came across a great opportunity and needed a loan fast. I was introduced to Source Capital Funding by a respected friend and business associate. I called Ryan and he knew exactly what was needed and made sure the program/process was crystal clear during our first conversation. The 5-Star review was absolutely earned by both Ryan and Marie as they were knowledgeable, attentive, and quick to respond… especially when I needed it most!!! Sincerest appreciation to Ryan and Marie for their guidance and professionalism. The transaction went off without a hitch, with lightning quick funding, enough said!

marton J.

1671395738

Working with Sacha and his team was very straightforward. They responded to emails and calls very quickly. They always delivered what they promised. They met tight deadlines. The whole process was smooth and fast.

dennis L.

1671133020

I appreciate all the work involved in putting together this loan. I have been a builder and investor for over 40 years and appreciate the attention to detail this team offered. I would refer Source Capital Funding ,INC with confidence...I will reinvest again.. Phoenix is a great market for me to expand in...Thanks again!!!!

Thu D.

1671059340

It was a pleasure working with Sasha and his team at Source Capital Funding. They worked diligently to help me get my loan. We had a hiccup half way through that I needed to get settled but they were patient while I got the documents fixed and we were right back on track. They answer in a very timely manner and kept me up to date with loan process. I would recommend them to all my family and friends for any future lending needs. Thank you again for your service!

Bryan P

1671037240

“Efficient and easy to work with. Will use again in the future.”

John N.

1670857731

Marie Gleason was really helpful.Highly recommended. Thank you for the great customer service. Cheers!

Rico S.

1670796854

On behalf of my entire family, I would greatly like to extend a very sincere thank you to Sacha, Marie and Ryan and everyone else at Source Capital who may have been instrumental in providing my family and I the perfectly structured loan we could have ever dreamed of. After extensively searching for a loan company with the perfect fit and right scenario, Source Capital was the only company that provided exactly what was needed with perfect monthly payment and the necessary structured years we desired. I would definitely recommend Source Capital to my family, friends and neighbors… great job for being there when we needed it most. Thank you Source Capital and happy holidays to you all.Best regards,The Smith Family

Lydia Y.

1670641662

Very professional and a pleasure towork with. Highly recommended.

Rica N.

1670639454

Love the service you guys gave. Especially M Gleason. Keep up the good work. Thanks!

Rica N.

1670639322

I was having a hard time because of my concerns but Marie Gleason was very patient in helping me. Thanks a lot!

Mark Donald D.

1670639077

Marie Gleason was accomodating and good customer service

Maureen W.

1670611709

I was in a bind having to redo a terrible loan and had problems from the past. They were so easy, quick & professional. I recommend them to anyone who needs extra help getting home financing. This includes the broker, the escrow and the title departments. If I need them in the future I will go right back to them.

Justine Michael N.

1670415678

Thank you, Source Capital Funding Inc. for excellent rates and great service especially to Marie G! Got my loan in less than a week.

Neriza T.

1670413021

Source Capital Funding has my highest recommendation. It was a pleasure to deal with Marie since she was so consistent, straightforward, and very trustworthy.

alejandra M.

1669666205

I had a great experience with Source Capital. Sacha Was Very professional and polite at all times and was even negotiable to get me a lower rate just to make me comfortable. I would recommend and would be happy to come back.

Tate M.

1669149069

Great team to work with!

Steve R.

1669148631

Source Capital Funding is one of the best hard money lenders I have worked with. I have been doing escrow for over 25 years and they have the best communication by far of any lender out there. I would trust them with my closest friends and family.

Jay G

1669136602

Ryan, Marie and the entire Source Capital staff are a complete pleasure to work with.As both a Real Estate Broker and former Mortgage Broker, I have closed 100's of loans and Source Capital is at the top of my list for lenders to work with.Highly recommended, they should be your go to lender for non-prime loans. They are fast and easy to work with. Great rates too

Devion B.

1669072530

Having worked w/ Source Capital Funding for years now, I can confidently say that you're in good hands working w/ them. Sacha and Marie have always been super professional and easy to work w/ which always makes each experience just that much smoother!

Alex C.

1668223076

Ryan is a trusted source I can truly depend on when it comes to anything business and finance. He is the person I refer to my colleagues and close friends when they need direction on business ventures. Got to have someone like him in your corner.

Damuer L.

1668206464

I'm a private money broker and being in the middle can prove to be real challenge. The lender and the borrower dance is a unique one to say the least. However Sacha and Source Capital Funding made the entire dance easy. From the user friendly portal...down to listening and addressing our hurdles on the file...Sacha made it happen. If you're seeking a private money lender look no further.

randy H.

1668205482

Sacha and his group are excellent hard money brokers. Very thorough and knowledgeable in their field. Good people, who you can trust!!!!!

Hirdeypal S.

1668058845

Sacha Marie & ken are the best..most efficient and very pro active team.. the source capital funding app is one of the greatest app..

maya O.

1668013693

I'm very thankful to Source Capital Funding for helping me with the loan. This is the second time I ask them for help and the second time I get the best and greatest service. I hope it's not the last. 😃

Robin S.

1665843574

This lender is amazing. Sasha almost always answered the phone personally. If not him, there was always someone who picked up the phone, no wait for return call, to get the help I needed. Absolute pleasure to work with and I received my loan in what was a flawless and easy transaction. Highly recommend.

Kelli H.

1664375848

Source Capital Funding is an amazing company and can close loans quickly! Sasha and his team are great with communication, and always willing to help to address any questions or concerns. And they have a very streamlined process. They are one of my favorite lenders. Give them a call and see for yourself. Kelli

Hanus J.

1658895220

Sometimes speed in real estate transactions matters more than money. True, the fees are high, but Source Capital makes it worth your while. The process is easy, fast, streamlined and transparent. Source Capital follows through on its commitments, is responsive and easy to deal with. I would not hesitate to recommend Source Capital to anyone needing fast financing for their real estate transactions.

Tbone B.

1657335465

My loan was not your typical situation and was fraught with hiccups. Ryan went above and beyond to alleviate my fears and tackle each problem quickly and efficiently. His calm and intellect in the face of everything that was thrown at him was impressive and made the experience smoother than it ever should have been. Marie should be commended for jumping in when needed to send paperwork and docs all over the place; all the while, taking my numerous calls and keeping me in contact with Ryan. She is definitely the glue in the Source Capital office. Thank you guys for everything!!!👏🏻👏🏻👏🏻

Christopher P.

1656987833

Chelsea P.

1655954906

Great communication and customer centric, highly recommend!

William M.

1655868961

Since the beginning the process with source capital was easy and smooth. Sacha answered the many questions we had and made our unique situation work out. He made sure the loan got funded as quickly as possible and provided guidance throughout the process. I would totally recommend Source Capital to anyone with looking for a hard money loan.

kat

1655807788

We’re very satisfied with Source Capital Funding. Ryan, Sacha and Marie are professional, knowledgeable and helpful. They’re always easy to reach and answer our questions. Great team, highly recommend this company.

Michael C.

1655414218

The best of the best! I have been a hard money lender for more than 15 years. I worked with some high quality individuals. For the last 10 years I work exclusively with source capital.Extraordinary due diligence unbelievable track record of success. Check out the other reviews and find out how good they really are. Get to know Ryan and Sasha, partners, exceptional quality people of faith.My wife was a CFO and a forensic auditor. She reviews every deal before I fund them, she also gives them five stars!Michael

Gabrielle Kuholski S.

1655327517

Beau R.

1654883939

Love the rates and service I received and would highly recommend this company. A pleasure working with Marie

Francis P.

1654729946

Sascha was very helpful and knowledgeable. He gave me some very thoughtful and useful advice.

Ken M.

1654286463

Sacha and Marie didn't disappoint as everything was super smooth and funded in less than 2 weeks! The portal is clean and easy to use for the borrower and the process was like clock work. I have been in the mortgage business for 24 years and no one does it as well as Source Capital Funding. Great job!

William S.

1654281941

This is my second time doing business here has always been smooth and very professional

Jim B.

1653441996

Source Capital funding was there for me when I needed them.For a hard money loan, the interest rates are very fair.It was great being able to speak with or email with Marie G. She has always answered the phone when I’ve called. (email is still better)Marie helped me with anything I needed.Sacha ( the owner) is fortunate to have Marie.I made my last payment yesterday morning.My wife and I own our house free and clear.I sincerely hope, if you need to use your home, to get cash from Source Capital Funding, that your able to make all the payments and get your title back as well.JB

Peter W.

1653353937

Petey W.

1653346686

It has been a pleasure working with Ryan and Marie at source capital for the past three years. They have been very helpful and are willing to answer every question that I have. I will highly recommend source capital to any investor that is intrested in getting a loan.

Antonio R.

1652722410

Sanjeet V.

1652303502

It was a pleasure doing business with Source Capital Funding.They are highly professional, got my loan closed in 1 week with no issues.Ryan Burns and Marie are great to do business with and I will definitely use them again for my financing needs.

Thomas J.

1648677365

This group is professional and responsive to all questions. Their guidance and assistance is Epic. Thank you all at Source Capitol!

John H.

1645025705

Great experience with two loans. These guys were very professional, prompt with answers to any of my numerous questions, and very helpful throughout the entire process. They kept me very well informed and stayed on top of the process from start to finish. I would highly recommend them to anyone seeking financing. Kudos to Ryan Burns and Marie Gleason for their hard work!!

Eric S.

1644882318

Sasha and his team are exemplary professionals in an industry that isn’t always very customer focused and friendly. I highly recommend him if you find yourself in need of alternative funding to traditional lending sources.

Ran F.

1644532378

I've been investing with Source Capital for over 10 years and have nothing but good things to say about everyone there - Sacha, Ryan and Marie. They're a pleasure to work with.

Tim M.

1644523660

I have been an investor for over 8 years now with source capital and I find them to be one of the most professional and ethical hard money companies out there! They are a quality group that I recommend to anyone.

KHANG L.

1642197643

We just got the very first deal done with Sacha and love the way he works. More to come. Great rates! Great team!

Calhoun F.

1641940205

We recently closed on a loan with Sacha. The entire process from start to finish was smooth and easy. Sacha was always available by phone and email to answer any questions we had and walk us through the process. After 18 years in Real Estate I can confidently say this was by far the best experience we have had to date. We look forward to many future closings with Sacha and team. Highly recommend reaching out to him for any and all of your real estate funding needs!

Steve R.

1641587615

Update: I am updating my review from 3 years ago to give another 5 Star review to Sacha and his team! They are a great group who are fast and friendly and understand your needs. I strongly recommend Source Capital if you need money fast!I've worked with Source Capital Funding a couple of times now and they are always so professional, friendly and responsive. Every member of their staff is so polite and make the process a breeze!

Rg R.

1640885718

Worked with Sacha and Source Capital Funding twice now. Good communication. Smooth and easy process to navigate. Responsive to all inquiries. Definately will go to them for any future $$$ needs. Thanks!

Renate G.

1640117461

Excellent service all around and very easy to work with! I highly recommend Sacha and his team!!

John N.

1638992887

Called day one explained my situation...Three days later loan approved for amount needed. Everything in the docs were exactly as discussed no hidden fees or clauses. paid loan off early no additional fees... Sasha awesome to work with... Highly recommend their sevrvices.

Glenn M.

1638539199

Sacha is very professional and great to work with! The staff is helpful through the process. If I need a loan again I will go through Source Capital Funding. I did a lot of research and this company is the best!

Dawit O.

1638485790

Sacha and his team were very professional and helpful. I would highly recommend them.

Wendi W

1636428797

This was my 2nd transaction with Sacha and his team. Exactly like the first go around, they helped me achieve a major milestone in my life in less than 2 weeks! It was nothing short of amazing. I feel extremely proud of what they helped me accomplish when someone else local to me fell short and almost left me in an impossible situation. I cannot thank them enough and have referred every family member, co-worker and professionals with clients in need.

A H.

1636040871

Amazing lender with great communication. I called this company already under contract needing help and they closed my loan 7 days later. Saved my deposit and helped me flip this property! I highly recommend using them!

Dan P.

1633465651

Very good job , Fast and Painless.!!!!!!

Michael H.

1632867699

Sacha Ferrandi with Source Capital is GREAT to work with! Hard working and constantly working on deal until completion. I highly recommend using them for you funding needs. THANK YOU!

Veronica J.

1631061263

Bryan P.

1625599775

Great to work with. Helped us get the deal done.

Lorenza A.

1623172593

My agent Sasha was great. Fast easy process. Smooth payout. Will definitely recommend.

William S.

1623019898

Sacha and his team were dedicated and incredibly helpful through the entire process. Even with current state of things with this pandemic they were able to deliver on time and as promised. I will definitely do business with them again in future.

ntipsy T.

1622281159

Easy working with them, very fast and to the point and very cooperative, they help you every step of the way

Jay G

1622250521

Source Capital is by far the best non-prime lender around (and I used to be a mortgage broker). Ryan was an absolute pleasure to deal with right from the start. It may have been the smoothest and easiest mortgage transaction I have ever dealt with.From start to finish it was about 2 weeks from application to close of escrow. No BS, very upfront about the deal and NOTHING changed in the deal. Fees and rate were better than expected and better than similar lenders. Once we were in processing Marie took charge of all the paperwork, very on top of things and also was an absolute pleasure to work with.If you need a non-prime loan, look no further. I wish I had found them sooner. Its too bad Google doesn't have 6 stars!

Al Capital Funding S.

1619547841

Ryan, Sacha and Marie were a PLEASURE to work with. Hands on, great service, great process, great loan product! I strongly recommend you use their services, you'll be glad you did!!

Eric D.

1618499467

Where do I begin? Ryan and the company in it's entirety are unmatched. Not just in the funding industry (residential, or commercial) but just a cream of the crop company all the way through.They lit a fire and gave me a torch. Personally & Professionally, look no further- Source Capital Funding is your go to. There is no second choice or backup! Source C.F. simply stayed with me and didn't waver or quit, or even made it seem like that was even a remote thought. In these challenging times, especially with the pandemic? I would go again and again, and would refer possible clientele to Source Capital in a heartbeat. Ryan, Marie, Jenna.-You can't find better people or a better team here or anywhere. 100 thumbs up. The best from coast to coast. They understand this era we are in and rise to and above the challenge. Ryan & Source, cannot thank you enough. E.Dunn

Karen C.

1618364725

If ever I find myself in need of a loan, Source Capital is where I would go. It would be hard to find a more genuine, trustworthy person than Ryan. He is honest, direct and keeps the best interests of his customer front and center, he's First-Class.

Jay S.

1618255267

Working with Source Capital Funding was a breeze. Sacha was quick and efficient and I look forward to working together again. Do not hesitate to give them a shot. Thanks again guys.

Zahirra G.

1615929349

We picked source capital because of the reviews and we weren’t disappointed. Sasha was very patient and helpful with everything. This was our first time using a hard money loan and Sasha walked us through everything and didn’t hesitate to answer all of our questions. They were very quick to respond and Sasha went above and beyond to help us with everything since we were new to this. We look forward to use source capital in the future!

derfsaint

1614277521

I had a transaction that needed to close in 14 days. Sacha committed to doing it. He spelled out the terms and what was required. We uploaded the documentation required that same day. A simple valuation was completed and documents were underwritten. Ten days later we were waiting on the title company to close the loan... Source Capital under promised, over delivered and kept constant communication along the way.

Alex I.

1612479660

I'd worked with Source Capital Funding a few years ago when I needed a short-term loan for my business. Using my home's equity, founder Sacha Ferrandi guided me through the process and I very quickly had the funds I needed. I recently referred my partner to Source Capital when she wanted to make some improvements on her property, and I would recommend them highly for anyone in need of a fast, streamlined bridge loan. A+

Hilda R.

1612478810

I had plenty of equity in my property but did not have enough liquid cash for necessary improvements. My partner recommended I try Source Capital. The founder, Sacha Ferrandi, and his excellent staff were most helpful and were always available to explain the process and answer all of my questions. If you need a quickly approved, short term loan, I would definitely recommend Source Capital Funding, Inc. for your next source of capital!

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Hard Money Lenders California

Reputation Matters

Clients Love Us

We Can Help

Fixed Rates from 8.99%

No Prepayment Penalties, No Junk Fees

Lender Fees from 1.75 Points

Loans up to 65% LTV and 3 Year Terms

Poor Credit, Past Bankruptcy and Foreclosure, Foreign Nationals – OK

Pre-Approvals within 24 hours, Funding in Days

Direct Lender with Over $250M in Loans Funded

Fast Streamlined Process to Save You Time and Money

BBB A+ Rated, 5 star Google & Yelp Reviewed Lender