Google 5-Star Rated Direct Hard Money Lender
We offer hard money loans with no prepayment penalties, no appraisal fees, and can fund in a matter of days.
Looking for a reliable, fast, and flexible way to fund your real estate projects in Colorado? At Source Capital, we combine over 40 years of experience with more than $550M in private capital funded, making us the go-to Colorado hard money lender for real estate investors across the state. Whether you’re purchasing single family residences, condos, or mixed use commercial properties, our direct lender approach ensures an efficient loan process—with approvals often delivered in as little as 24 hours.
We specialize in Colorado hard money loans that close quickly—typically within 7–10 business days—and feature no appraisal fees or prepayment penalties. Our asset-based underwriting focuses on the property’s value rather than your credit score, making it easier for borrowers to secure the financing they need for short term loans, ground-up construction projects, or even cannabis-related real estate ventures. From Denver hard money transactions to commercial loans in Colorado Springs, and from rental properties in Fort Collins to in Aspen, our loan programs are designed to fit your unique goals.
Why Choose Source Capital as Your Colorado Hard Money Lender?
Colorado’s real estate market is booming—especially in high-demand areas like Denver, Boulder, and Colorado Springs. Real estate investors need a hard money lender that can move quickly and provide flexible solutions:
Fast Decisions
As a direct lender, our approval process is built for speed as we underwrite and make all decisions in-house. From the time we are initially contacted to the time the loan is funded, our streamlined process allows us to fund loans in a matter of days.
Proven Track Record
Since 2007 we have successfully funded over $550M in loans secured by real estate. We have earned our reputation as a lender known for speed, reliability, and fairness. Our team has the experience and ability to provide quick, direct answers to help expedite our client’s requests.
Well Capitalized
We’re a direct lender with immediate access to capital to lend. Because our company is backed by well established, accredited investors, there is always capital available to fund our loans. We are able to close quickly and with full transparency.
Client Testimonials
Loan Programs & Highlights in Colorado
We offer a variety of loan programs designed to help you move forward confidently in the Colorado real estate market:
| 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.
*All loans are secured by real estate for business purposes only
If you’re looking for quick loan approval on or rental property financing, Source Capital is here to help. Our hard money loans can also serve as construction loans for light to moderate renovation projects, making us a one-stop shop for Colorado real estate investment.
Why Hard Money Loans in Colorado?
In a highly competitive real estate market like Colorado, securing capital fast can make all the difference. Hard money lending offers quicker approvals, fewer barriers related to credit score, and the ability to customize your loan amount based on the purchase price or after-repair value. Whether you need bridge loans for an upcoming closing, construction loans for ground-up construction, or a cash out option for your next big project, Colorado hard money loans help you capitalize on the state’s growth without waiting for bank financing.
Because we’re a Colorado hard money lender rather than a traditional real estate lender, we’re able to tailor loan programs to your timeline—often beating out slower funding sources. This is especially valuable for fix-and-flip transactions, commercial real estate expansions, or foreclosure acquisitions where speed is essential.
- Refinance Loans – Unlock the equity in your residential or commercial property quickly and efficiently. Whether you need to consolidate debt, access working capital, or reinvest in new opportunities, our streamlined refinancing process ensures fast approvals and competitive terms.
- Investment Property Loans – Speed is crucial in today’s competitive real estate market. As a direct lender, we provide immediate access to capital, allowing investors to purchase rental properties and investment homes without delays—ensuring they can secure deals before the competition.
- Commercial Hard Money Loans – We provide creative financing solutions for commercial, industrial, mixed-use, and multi-family properties. These loans can be complex, but with our industry experience, we know how to structure deals efficiently—whether for retail storefronts, industrial condominiums, or office space.
- Probate & Estate Loans – We specialize in probate and estate loans for trusts, heirs, and beneficiaries who need quick access to liquidity. Whether settling estate obligations or facilitating beneficiary buyouts, our expertise in estate financing ensures a smooth and efficient funding process.
- Bridge Loans – For short-term financing needs, our bridge loans provide quick capital to cover the gap between transactions—perfect for real estate investors awaiting permanent financing or those purchasing properties that require fast closing.
- Cash-Out Refinance Loans – Leverage the value of your existing real estate to free up capital for new investments, renovations, or business needs. Our cash-out refinance loans offer flexible terms and rapid funding, making it easy to access the funds you need when you need them.
Hard Money Loan Programs
- Refinance Loans – Unlock the equity in your residential or commercial property quickly and efficiently. Whether you need to consolidate debt, access working capital, or reinvest in new opportunities, our streamlined refinancing process ensures fast approvals and competitive terms.
- Investment Property Loans – Speed is crucial in today’s competitive real estate market. As a direct lender, we provide immediate access to capital, allowing investors to purchase rental properties and investment homes without delays—ensuring they can secure deals before the competition.
- Commercial Hard Money Loans – We provide creative financing solutions for commercial, industrial, mixed-use, and multi-family properties. These loans can be complex, but with our industry experience, we know how to structure deals efficiently—whether for retail storefronts, industrial condominiums, or office space.
- Probate & Estate Loans – We specialize in probate and estate loans for trusts, heirs, and beneficiaries who need quick access to liquidity. Whether settling estate obligations or facilitating beneficiary buyouts, our expertise in estate financing ensures a smooth and efficient funding process.
- Bridge Loans – For short-term financing needs, our bridge loans provide quick capital to cover the gap between transactions—perfect for real estate investors awaiting permanent financing or those purchasing properties that require fast closing.
- Cash-Out Refinance Loans – Leverage the value of your existing real estate to free up capital for new investments, renovations, or business needs. Our cash-out refinance loans offer flexible terms and rapid funding, making it easy to access the funds you need when you need them.
Loan Programs & Highlights in Colorado
We offer a variety of loan programs designed to help you move forward confidently in the Colorado real estate market:
1. Apply Online
Complete our short loan application to start your mortgage loan or property loans request.
2. Submit Property Details
Provide basic info about your property types (e.g., single-family, multi-family, commercial real estate, etc.) and loan purpose.
3. Receive a Written Offer
We send a written offer within 24 hours, detailing interest rates, loan amount, and any required docs or escrow steps.
4. Funding
Accept the offer and receive funds in 7–10 days.
Cities We Serve in Colorado
From Los Angeles to San Francisco, we fund real estate loans across the state:
- Denver: The Mile High City is a hub for real estate investment and denver hard money deals, offering mixed use developments, residential investment properties, and more.
- Boulder: Known for tech innovation and high property values, Boulder is ideal for investors seeking commercial real estate or residential real estate in a vibrant market.
- Colorado Springs: Enjoy a growing economy, strong demand for rental properties, and numerous opportunities for commercial properties, single family homes, and multifamily units.
- Fort Collins & Aspen: From college-town growth in Fort Collins to luxury and vacation rental markets in Aspen, Colorado offers diverse possibilities for private money lending success.
- And More – Including Vail, Aurora and the rest of Colorado.
Colorado Hard Money Loans
What Makes a Colorado Hard Money Lender Different from a Traditional Bank?
Hard money lending focuses on the property’s equity rather than your credit score or financial history. As a direct lender, we fund based on collateral value, closing deals faster than conventional banks.
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.
Do hard money lenders need to be licensed in Colorado?
Anyone who originates a mortgage, offers to originate a mortgage, acts as a mortgage loan originator, or offers to act as a mortgage loan originator in Colorado must have a Mortgage Loan Originator license. This license must be renewed each year to remain valid.
When you choose Source Capital, you can be confident you’re working with a licensed hard money lender in Colorado. Not only are we licensed, but we also have years of experience helping real estate investors and others secure funding for various types of properties.
Who are hard money loans for in Colorado?
Hard money loans in Colorado are designed for people who need quick access to capital or for those who have poor credit or financials. Bridge loans are a type of hard money loan that you can use to purchase another property before you sell your current property.
Source Capital works with all types of clients from real estate investors, flippers, and developers to business owners, families, and individuals who need financing.
At Source Capital, we offer hard money loans in California, Colorado, and several other states for business needs — whether you’re purchasing a property as an investment or using equity in your home for another purpose. Since your hard money loan is secured by collateral, we don’t place strict rules on your credit score or financial history.
What are the benefits of working with Source Capital?
Working with a hard money lender in Colorado like Source Capital can help you get the money you need to accomplish your goals. As long as you’re in a state where we lend, you can enjoy the benefits of working with Source Capital:
- Speed: We offer fast approval and funding times, allowing you to get approved for a loan and receive your money in as little as 7 days.
- Flexibility: Source Capital can work with you to help you secure a loan even if you’ve had trouble securing a traditional loan due to your income or credit.
- Security: Hard money loans in Arizona are secured by real estate as collateral for the loan.
- Investment opportunities: We understand opportunities arise for our clients and are often time sensitive. With Source Capital, you can quickly get the money you need so you don’t miss out with our simple, straightforward process.
Can I Use Colorado Hard Money Loans for Non-Owner Occupied Rental Properties?
Absolutely. We finance rental properties for real estate investors, including single family homes, multifamily buildings, and commercial properties.
How do I get approved for a Colorado hard money loan?
To get approved for a Colorado hard money loan, simply fill out our online application and provide details about the property you’re using as collateral. Unlike traditional loans, we don’t focus on your credit score or financial history. We welcome applications from foreign nationals and those with a history of bankruptcy or foreclosure.
Here’s a step-by-step breakdown of our application process:
- Fill out and submit our hard money loan application.
- Provide details about the property being used as collateral and what the proceeds are for.
- Submit your application and a decision-maker will respond within 24 hours.
- Once you accept, we’ll fund your loan in 7 to 10 days
- Monthly payments can be made via mail, phone, or direct deposit
Can hard money loans be used for refinancing in Colorado?
Hard money loans in Colorado can be used to refinance an existing mortgage, depending on the scenario. Colorado borrowers often use hard money loans to quickly access equity for a myriad of reasons. We can work with you to make sure you’re getting a loan that meets your needs — whether you’re applying for hard money loans in Arizona, Colorado, or one of the many other states we serve.
Can I qualify if I have poor financials?
Absolutely. As our main focus is centered on the property being used as collateral for the loan, financial strength is not a requirement to obtain a loan with us. We understand there is a reason client’s come to us and do our best to provide a loan option that will work for you, whatever the situation may be.
What areas in Colorado do you lend in?
We lend throughout the state but mainly focus on more urban than rural areas. Denver, Boulder, Colorado Springs, Vail, Aspen, and Aurora are just a few of the cities we lend in and their respective outlying areas.
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.
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