California Hard Money Lender

Fast, Flexible & Trusted Funding for Hard Money Loans

We offer flexible hard money loans with fast funding, no prepayment penalties, and no appraisal fees

As a leading provider of hard money loans in California, Source Capital has the knowledge and expertise to help you secure the loan you need. We offer a wide range of fast, flexible hard money loan options, all backed by accredited investors. The best part is, we don’t focus on your credit score or income — our asset-based loans make it easier for you to get approved.

When you apply for a loan through a traditional lender, it can take weeks to find out if you’re approved and even longer to receive your funding. When you apply for a California hard money loan with Source Capital, we can approve and fund your loan in as little as 7–10 days. Our simplified loan process ensures you have the funding you need to jump on your next real estate investment opportunity before it’s too late.

Source Capital provides short-term hard money loans for several types of California real estate investments, including fix-and-flip loans, bridge loans, commercial loans, and more. Whether you’re looking to invest in a commercial office building, a multi-family home, or a simple residential property, our hard money loans make it easy to finance your next loan.

Our loan experts can help you find the best loan based on the property you’re purchasing, your finances, and more. While we focus on residential loans, we also offer loans for commercial and mixed-use properties with loan amounts ranging from $100,000 to $5,000,000..

Why Choose Source Capital as Your California Hard Money Lender?

We know how competitive the California real estate market can be, and that means you have to move fast. Source Capital helps you compete in the fast-moving real estate market with fast, simple financing.

Fast Decisions

Our team understands the importance of a timely offer, which is why we approve and underwrite every loan in-house to speed things up. We make fast decisions and get your loan funded as quickly as possible so you don’t miss out on your next investment.

Proven Track Record

Source Capital has been in business since 2007, and we’ve funded more than $550 million in hard money loans during that time. Our reputation and experienced team means you can trust us whether you’re looking for a residential or commercial hard money loan. If you have questions or concerns about your hard money loan in California, our team has you covered.

Well Capitalized

We have access to capital to fund your next California real estate venture, whether you’re borrowing millions to purchase a commercial property or looking for a smaller residential loan. When you’re ready to invest in real estate, you can count on us to provide the capital you need.

Client Testimonials

“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.”

Brian OverstreetPresident, Advera Health Analytics

“Sacha and his team were on point from our first call to funding. They were professional and easy to work with. We will definitely be using them for our future transactions”.

Mark O’ToolePresident, Pacific Coast Home Mortgage & Real Estate Inc.

“The staff at Source Capital has helped me create new income streams. They are consistent, direct and deliver every time.”

Michael KornAgent, Keller Williams Realty

“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.”

Anthony TrujilloMortgage Broker, Paramount Partners

“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”

Courtney RothClient

“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”

Marianne BordognaAgent, Keller Williams Realty

“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”

Sergio AbbudSenior Loan Officer, Better Rate Mortgage

“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”

Paul ElamOwner, San Diego’s Real Estate

“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”

Tyler HansonAssociate Broker, Cushman & Wakefield

“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”

Greg ShieldsOwner, GSI Appraisals

“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”

Alvin FuchsAgent, Keller Williams Realty

“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. “

Kendall HeathClient

“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”

Andrew BellahOwner, The Bellah Group

“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.”

Lauren MarcusClient

“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”

Borna EftekariAgent, Farmers Insurance

California Hard Money Loan Terms

Our California hard money loans cater to real estate investors and business-purpose borrowers seeking fast, short-term financing. As a direct hard money lender, here’s what you can expect from our loan programs:

INTEREST RATES	8.99% – 11.99% – First Position 11.99% -13.99% – Second Position	LOCATION	Arizona, California, Colorado, Minnesota and Texas only
LOAN AMOUNTS	$100,000 – $5,000,000	TYPES OF LOANS	Acquisition, Refinance and Cash-Out
LOAN DURATION	12-24 months	LIEN POSITION	First and Second Trust Deeds Only
ORIGINATION FEE	Starting at 2.0% of loan amount, depending on loan size and length of term	PROPERTY TYPES	Owner and Non-Owner Occupied Residential. Multifamily, Commercial, Industrial, Office, Retail, Mixed Use
LOAN TO VALUE	Up to 65% LTV in first position Up to 50% CLTV in second position	APPRAISAL FEE	None
CLOSING TIMEFRAME	10 business days or less	PREPAYMENT PENALTY	None

There are no minimum credit scores, employment requirements or financial minimums to qualify for a loan.

NOTE: All loans are secured by real estate only and based on the current “as is” value or purchase price, whichever is less.

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Why California Hard Money?

Traditional loans might be right for some investors, but there are several potential drawbacks. You might not qualify for a traditional loan in California if you don’t meet credit score and income requirements. Even if you do qualify, it can take several weeks or months to receive funding and make an offer. All these obstacles can make it difficult to secure a loan and start your investing journey.

At Source Capital, we simplify investing through our California hard money loans. Our asset-based loans don’t have the same strict requirements traditional loans do. You can get your funding in as little as 7–10 days with no credit history or income requirements, making our loans ideal for:

Fix-and-Flip Investors – Short-term loans to purchase, renovate, and flip properties.
Bridge Financing – These loans provide the capital you need to transition from one property to another.
Distressed Property Purchases – Financing for foreclosures, REOs, and auction properties.
Cash-Out Refinancing – Financing that takes advantage of the equity you have on your home to give you access to additional capital.
Business Purpose Loans – Fund real estate-backed business ventures without delays.

Source Capital provides a simple alternative to traditional loans to make your life easier as an investor. While traditional loans can take weeks or even months to fund, our California hard money lenders can approve and fund your loan in as little as 7–10 days. As a result, you can make an offer before your competition beats you to it.

Recently Funded Deals in California

We’re proud of our fast funding and transparent approval process for California borrowers. Here are a few recently funded hard money loans in California:

Santa Rosa, California Hard Money Purchase Loan
Condominium

$330,000

San Francisco, California Hard Money Refinance Loan
Condominium

$150,000

San Diego, California Hard Money Refinance Loan
Condominium

$200,000

Riverside, California Hard Money Refinance Loan
Single Family Residence

$175,000

Santa Rosa, California Hard Money Refinance Loan
Single Family Residence

$375,000

Fresno, California Hard Money Refinance Loan
Single Family Residence

$425,000

Riverside, California Hard Money Blanket Refinance Loan
Industrial Condominiums

$600,000

San Francisco, California Hard Money Refinance Loan
Single Family Residence

$850,000

San Jose, California Hard Money Refinance Loan
Single Family Residence

$1,075,000

These success stories highlight our commitment to short closing times, flexible loan terms, and a streamlined loan process—wherever you are in Southern California or the Bay Area.

California Hard Money Lender

As a leading California hard money lender, our loans are backed by residential or commercial real estate. We don’t offer unsecured loans like traditional lenders do, and our loans aren’t designed for primary residences.

If you’re an investor, our hard money loans are a simple way to secure the capital you need for your next investment. Our loans are tailored to fit each borrower, and our team of experts ensures you get access to your money in a timely fashion.

Hard Money Loan Programs

Refinance Loans – Take advantage of the equity you have in your commercial or residential property to get approved for a loan. Refinance loans can be an excellent solution if you’re trying to consolidate debt or reinvest your money.
Investment Property Loans – Whether you’re looking at a multi-family rental property or a single-family home, our investment property loans can help you secure the capital you need to make a competitive offer to secure your next deal.
Commercial Hard Money Loans – We have extensive experience with commercial hard money loans, including offices, retail storefronts, industrial condos, and other commercial and mixed-use properties. Our team can design your loan to fit your property, so you can get the best terms for your investment.
Probate & Estate Loans – Probate and estate loans allow you to tap into the benefits you’re receiving before you receive them, so you can start investing as quickly as possible. Our expertise also includes settling estate obligations and buyouts.
Bridge Loans – Our bridge loans give you the short-term capital you need to make the transition from one property to another, so you can get the money you need while you wait for long-term financing.
Cash-Out Refinance Loans – Get access to additional capital using your existing real estate as collateral. Cash-out refinance loans can help you put some extra cash in your pocket so you have the funds you need to continue your real estate investing journey.

How to Get Approved for a California Hard Money Loan

1. Apply Online

It takes minutes to complete our simple, online application to get prequalified for a loan.

2. Get Approval

After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.

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 via mail, phone or direct deposit. It’s that easy.

Get Funded Now

Cities We Serve in California

From Los Angeles to San Francisco, we fund real estate loans across the state:

Los Angeles – High-demand neighborhoods and commercial hubs. Part of Southern California.
San Diego – Beachside properties, fix-and-flip opportunities, and emerging suburbs.
San Francisco – A competitive, tech-driven market with prime commercial real estate.
Sacramento & Central Valley – Affordable entry points for real estate investment.
Orange County & Inland Empire – Growing residential and commercial property markets with strong investment opportunities.
And Many More – Including Anaheim, Bakersfield, Palm Springs, Long Beach, Richmond, Modesto, Oakland, Santa Ana, Riverside, Redding, Santa Barbara, San Jose, Fresno, Stockton, Santa Rosa, and the rest of California.

California Hard Money Lender FAQs

How fast can I get funded in California?

We typically fund within 7–10 days, thanks to our in-house underwriting. For time-sensitive deals, we can expedite the process.

What type of loans do you offer?

At Source Capital, all of our California hard money loans are secured by residential, commercial, or industrial properties. We do not provide unsecured loans or financing for the purchase of a primary residence.

Whether you’re acquiring an investment property or leveraging the equity in real estate you already own, we offer flexible lending solutions tailored to your needs. Our direct lending approach ensures fast approvals, competitive terms, and a streamlined process to help you capitalize on opportunities in California’s dynamic real estate market.

Are hard money loans legal in California?

Yes. Hard money lending is regulated by the California Department of Real Estate and the California Department of Financial Protection and Innovation. We adhere to all regulations for a smooth, compliant process.

How do hard money loans work in California?

Hard money loans in California are asset-based loans typically used for short-term financing. They are secured by real estate property and are often used for property investments, renovations, or bridging the gap between financial transactions.

At Source Capital, our main focus is on the real estate for loan approval, not your credit or financial history. With a proven track record of over $550M funded since 2007, we’re here to help. Whether you have poor credit, a history of bankruptcy or foreclosure, are a foreign national, or are self-employed we have creative solutions for financing.

What are the typical terms of a hard money loan in California?

Hard money loans in California can vary greatly with interest rates between 9% and 15%, depending on the scenario.

Source Capital offers some of the most favorable terms in the industry, with interest rates starting at just 8.99%. All our loans are amortized over 30 years and due in 1 or 2 years. We have no prepayment penalties so the loan can be repaid at any time with no additional interest payments owed.

What credit score do I need?

None. Our loans are equity-based, focusing on property value rather than credit score.

What happens if I default on a hard money loan?

Defaulting could lead to foreclosure. It’s essential to have a solid exit strategy in place, whether that’s a refinance, sale of the property, or other repayment plan.

Do you offer owner-occupied loans?

Yes, but only for business purpose, subject to additional regulations.

Do you do primary residence purchases?

We do not provide financing for primary residence purchases as we fund loans for business purposes only. Business purpose loans are defined as loans to: purchase, repair or improve real property for use in the Borrower’s business; acquire, improve or maintain certain non-owner occupied rental property; purchase, improve or repair tools, equipment, machinery, fixtures or furnishings used in Borrower’s business; fund operating capital (e.g., employee salaries) or purchase or pay for business inventory, supplies, rent, taxes, insurance or other related expenses; or to pay off, refinance or consolidate business debts.

What happens if you default on a hard money loan in CA?

California hard money loan contracts usually include a default interest rate clause, meaning that if you default, the interest rate can significantly increase. This gives borrowers a short period to balance the loan. If the loan remains in default, lenders are authorized to foreclose on the property used as collateral, and any paid portion of the loan becomes forfeited.

In California, state laws require that all foreclosure processes be handled outside of the court system in a non-judicial foreclosure.

Get Funded Fast – Apply Today!

Provide us some brief information about your hard money needs and a decision maker will get back to you as soon as possible to discuss.

What We Offer

Same Day Approvals
Rates starting at 8.99% Interest
Poor Credit OK
No Debt to Income Requirements
No Prepayment Penalties
No Appraisal Fees
$100,000 to $5,000,000 Loan Amounts
Residential, Commercial, Industrial
1st & 2nd Trust Deeds
Up to 65% Loan-to-Value (LTV)
Up to 50% Combined LTV (2nd Loans)
Closings in 7-10 Days

NOTE: All loans are secured by real estate in AZ, CA, CO, TX and MN ONLY. We do not fund unsecured loans or loans for personal use. Please call us at 888.334.6636 if you are unsure of these parameters.

Apply Now

California Hard Money Lender

We offer flexible hard money loans with fast funding, no prepayment penalties, and no appraisal fees

Why Choose Source Capital as Your California Hard Money Lender?

Client Testimonials

California Hard Money Loan Terms

Why California Hard Money?

Recently Funded Deals in California

California Hard Money Lender

Hard Money Loan Programs

How to Get Approved for a California Hard Money Loan

Cities We Serve in California

California Hard Money Lender FAQs

Get Funded Fast – Apply Today!

What We Offer