HARD MONEY LENDING SINCE 2007

Colorado Hard Money Lender

Fast, Flexible & Trusted Funding for Hard Money Loans

A Colorado hard money lender that can help you access the capital you need quickly and at fair terms

Source Capital has been helping it’s clients with real estate financing for almost two decades. As one of the most trusted providers of hard money loans, we’ve financed more than $550 million in loans secured by real estate. Our simple approach to lending and our fast funding and approval process help you unlock the capital you need for your next business opportunity.

Applying for a loan through a traditional lender can be a lengthy process, and it can be difficult to get approved. Traditional loans can take several weeks or even months to fund, but our asset-based loans can be funded in as little as 7–10 days. When you have your eye on a particular residential or commercial property in the competitive Colorado real estate market, you can’t afford to wait for funding.

Source Capital can work with you to make sure you have a loan that fits your needs as an investor. Our Colorado hard money loans include rehab loans, bridge loans, commercial loans, and more. From single-family and multi-family homes to apartment buildings and commercial offices, we work with clients to finance a wide range of real estate assets.

We have the knowledge and expertise to meet your hard money loan need. Source Capital offers loans ranging from $100,000 to $5,000,000 for up to 24 months with no prepayment penalties.

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Why Choose Source Capital as Your Colorado Hard Money Lender?

The real estate market is competitive everywhere, but things move even faster in fast-growing areas like Denver and Boulder. At Source Capital, we provide Colorado hard money loans that help you stay competitive in any real estate market.

Fast Decisions

Waiting to hear back from a traditional lender can be a painstaking process, but we don’t make you wait. Since we handle everything in-house, you can get your loan approved faster so you don’t have to worry about missing out on the perfect real estate investment.

Proven Track Record

When you need a Colorado hard money lender you can trust, you can count on the team at Source Capital. We’ve been financing hard money loans for investors since 2007, and we’ve funded more than $550 million in that time. You can count on the experts at Source Capital to provide a streamlined loan process, and we’re here to answer any questions you might have.

Well Capitalized

Accessing the capital to invest is one of the biggest challenges for real estate investors. As a leading provider of hard money loans, Source Capital can provide the capital you need whether you’re purchasing a simple residential property or investing millions in a commercial building.

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

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.

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1,368

Loans Funded

$551,270,550.00

Total Amount Funded

Why Colorado Hard Money?

Getting approved for a loan is a key part of the investing process, and that starts with choosing the right loan option. Traditional loans can have lengthy approval and funding times that can lead to delays, and getting approved can be difficult if you don’t meet credit score and income requirements. At Source Capital, we provide an accessible, streamlined alternative to traditional loans for real estate investors.

We can approve and fund your loan in as little as 7–10 days, so you don’t have to worry about missing out on the property you have your eye on. If you’re having trouble getting approved for a traditional loan, we can still help. Our asset-based loans are perfect for investors who don’t meet traditional income and credit requirements, including:

Fix-and-Flip Investors – We provide short-term loans that give you the capital you need to purchase, fix, and flip residential properties.
Bridge Financing – Bridge loans give you the financing you need to purchase another property before you sell your current home.
Distressed Property Purchases – These loans are ideal for foreclosures, REOs, and auction properties.
Cash-Out Refinancing – Take advantage of the equity you have on your current home or commercial property with a cash-out refinance.
Business Purpose Loans – Fund real estate-backed business ventures without delays.

Don’t let your competition beat you to your next investment. With Source Capital, you can get your loan approved and funded in no time so you don’t have to wait to make your next move. With flexible terms and competitive rates, our Colorado hard money loans are ideal for investors.

Colorado Hard Money Lender

When you’re looking for a Colorado hard money lender, Source Capital is an easy choice. We provide asset-based loans for real estate investors, which means you don’t need to meet strict income or credit score requirements to get approved. We don’t offer unsecured loans or loans for primary residences.

Every loan is tailored to meet your needs as an investor, whether you’re just getting started with residential real estate or making waves in the commercial real estate market. If you’re looking to invest, our experts have the knowledge and capital to help.

Hard Money Loan Programs

Refinance Loans – If you have equity in a property currently, you can refinance your home to replace your current mortgage with a new one.
Investment Property Loans – We provide a wide range of loans for various real estate investments, including single-family and multi-family homes. Get the capital you need to purchase rental property with an investment property loan.
Commercial Hard Money Loans – From warehouses to office spaces and everything in between, Source Capital provides flexible commercial loans that are customized to meet your needs. We even offer commercial loans for mixed-use properties.
Probate & Estate Loans – Whether you need to settle estate obligations and buyouts or quickly access capital to start investing, we offer probate and estate loans that can help.
Bridge Loans – If you need capital to invest before you sell your home, our bridge loans are the solution. Take out a bridge loan to start investing and pay it back when you sell your home.
Cash-Out Refinance Loans – When you need access to extra capital as an investor, cash-out refinance loans are a simple solution. You can borrow cash based on the equity you have in your property, making it easy to finance your next investment.

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.

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Cities We Serve in Colorado

From Denver to Aspen, we fund real estate loans across the state:

Denver – The most populous city in Colorado, offering a huge range of commercial and residential real estate investment opportunities.
Boulder – One of the higher priced real estate markets in Colorado, ideal for investing in luxury homes.
Colorado Springs – The second largest city in Colorado, home to many beautiful suburban homes.
Vail – High-end homes, including some of the most stunning homes in the state.
Aspen – Luxury homes with high demand thanks to its reputation as a top ski destination.
Aurora – Affordable homes and a wide variety of real estate investment opportunities.

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.

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 ARV loans or do 100% financing.

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HARD MONEY LENDING SINCE 2007

Colorado Hard Money Lender

A Colorado hard money lender that can help you access the capital you need quickly and at fair terms

Why Choose Source Capital as Your Colorado Hard Money Lender?

Client Testimonials

Loan Programs & Highlights in Colorado

Why Colorado Hard Money?

Colorado Hard Money Lender

Hard Money Loan Programs

Loan Programs & Highlights in Colorado

Cities We Serve in Colorado

Colorado Hard Money Loans

Get Funded Fast – Apply Today!

What We Offer