Loan Programs

Whether it’s a home purchase or a large scale commercial project refinance, we can help.

General Terms and Conditions

No Prepayment Penalties

Rates From 7.99%

Loan To Value Up To 70%

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.

Experience Matters

Since its inception in 2007, Source Capital has funded hundreds of millions of dollars in loans secured by real estate. As a direct, licensed private hard money lender, our clients can count on us to deliver fair terms and fund quickly. We work with all types of borrowers and understand even the most complex scenarios. In most cases, Source Capital is much faster and cost effective than the competition. We have the capital, expertise and knowledge to fund your residential or commercial hard money loan.

Source Capital is a direct premier hard money lender that utilizes its own investor capital and is licensed in California, Arizona, and Minnesota. As a direct hard money lender, we process, underwrite and fund all hard money loans in our office which saves our clients time and money. We understand real estate hard money lending and have a proven track record as an “A+” rated company with the Better Business Bureau and a 5-star rated lender on Google and Yelp. We have funded over $400M in hard money loans to hundreds of satisfied borrowers, brokers and real estate professionals.

1,120

Loans Funded

$402,750,550.00

Dollar Amount Funded

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.

APPLY NOW

Over 220+ Google Reviews and Counting

“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

“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

“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 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

“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

“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

“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

What We Lend On

Residential

Single Family Residence

Condominium / Apartment

Duplex, Triplex, Quadraplex

Commercial

Office and Retail

Multi-Family

Storage, Hospitality, Industrial

Fix and Flip

Complete Rehab

Remodel

Buy and Hold

Why Hard Money?

What does an individual or company do when they need a loan and the bank says “no”? Borrowing from traditional sources like banks or other financial institutions is becoming near impossible due to strict, unrealistic guidelines. Even if you are approved it could take months and mounds of paperwork until the loan is funded. Source Capital is a direct hard money lender that has the unique ability to look beyond a borrowers past circumstance and focus on the equity in real estate to fund their hard money loan. For us, poor credit, a prior bankruptcy or even foreclosure to us are simply hurdles, not roadblocks. We are able to think “outside the box” in order to help provide you the hard money loan funds you need in order to meet your goals.

From a single family residence to a large commercial power mall and a purchase or refinance, we can help. Our immediate access to capital and streamlined loan process has allowed us to fund over $400M in hard money loans for thousands of borrowers and brokers. We have a proven track record and the experience to know that listening to what the clients wants and needs are leads to a successful transaction. Feel free to contact a decision maker directly by calling, chatting or emailing us when you are ready. We are confident with what we can provide and will be here to answer every question you have.

Frequently Asked Questions

Is your process fast?

Absolutely. Source Capital understands how valuable your time is and provides written approvals typically within 24 hours and can fund in a matter of days. As a direct hard money lender with immediate access to capital, we are the decision maker and have the ability to move quickly.

What if I have poor credit ?

Because we are a hard money lender that focuses mainly on the equity in the property to secure the loan, we are able to look beyond borrower past circumstances. We will make every attempt to structure a hard money loan that works for you to ensure you get the funding you need at the best terms possible.

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 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 loan programs do you offer?

As a direct hard money lender, all of the loans we offer are secured by real estate only. From residential and commercial properties to purchases or refinances, we can help fund your next hard money loan.

How do I apply for a hard money loan?

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.

What rates and fees do you charge?

All of our hard money loans start at 7.99% interest. However, every transaction is different and until we have some facts about the loan (property address, amount requested, etc.) we will not be able to provide exact terms. Once we have the limited information we need, then we can submit our written offer- typically within 24 hours.

Ready To Get Your Loan?

It’s fast, easy and best of all- no paperwork!

APPLY NOW

Google Rating

4.9

Based on 267 reviews

Source Capital Funding, Inc. - Direct Hard Money Lender

4.9

AP 1.

13:40 04 May 22

Susie W.

20:59 02 Apr 22

We used Source Capital Funding for a loan on an investment property. It was just a wonderful experience because we wanted it done quickly. Everything happened exactly how Ryan said it would. Ryan and Marie are both just fantastic... very professional and helpful. They made the whole process so smooth and they were very professional. It was really the best loan experience I have ever had. I cannot say enough good things about this company. Thank you for a wonderful and stress-free experience.

Thomas J.

21:56 30 Mar 22

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

Maria N.

16:34 23 Mar 22

I had a very positive experience in working with Sacha I needed to get a loan to remodel a property and he did it in record time, moreover Sacha structured it in a way that worked well for me. I highly recommend Source Capital Funding, Inc.

John H.

15:35 16 Feb 22

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.

23:45 14 Feb 22

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.

22:32 10 Feb 22

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.

20:07 10 Feb 22

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.

22:00 14 Jan 22

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.

22:30 11 Jan 22

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.

20:33 07 Jan 22

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.

17:35 30 Dec 21

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.

20:11 21 Dec 21

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

John N.

19:48 08 Dec 21

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.

13:46 03 Dec 21

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.

22:56 02 Dec 21

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

Wendi W

03:33 09 Nov 21

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.

15:47 04 Nov 21

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!

Justin C.

17:27 27 Oct 21

Fast and efficient!

Dan P.

20:27 05 Oct 21

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

Michael H.

22:21 28 Sep 21

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.

00:34 08 Sep 21

Bryan P.

19:29 06 Jul 21

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

Lorenza A.

17:16 08 Jun 21

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

William S.

22:51 06 Jun 21

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.

09:39 29 May 21

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

Jay G

01:08 29 May 21

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!

Christophers gaming and M.

16:31 28 May 21

Sacha and his team were dedicated and incredibly helpful through the entire process. If you want to get a deal accomplished, they are the ones to work withChris P.San Antonio, Texas

Al Capital Funding S.

18:24 27 Apr 21

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.

15:11 15 Apr 21

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.

01:45 14 Apr 21

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.

19:21 12 Apr 21

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.

21:15 16 Mar 21

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

18:25 25 Feb 21

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.

23:01 04 Feb 21

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.

22:46 04 Feb 21

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!

Sam R.

18:16 24 Dec 20

I highly recommend Source Capital Funding. Sacha was really great: straight to the point, easy to work with and highly reliable. Source Capital was there to provide both the letter of Intent and actual financing which unabled me to close on my investment property with no hassle. Their process is easy and they offer great flexibility. I will use Source Capital funding again

CR T.

00:20 02 Dec 20

Easy and efficient, Sacha arranged everything without any fuss or unnecessary delays. The whole process went smoothly from start to finish

Bob S.

02:24 20 Nov 20

Great funding source for short term real estate loans. Very friendly staff that likes to get it done. Thanks for your help.

Consulting Direct I.

19:26 19 Nov 20

Dealing with hard money lenders are a major drag. They lack transparency, communication, and normally keep you guessing. Sacha and his team are superior in this industry and break the traditional rules. They communicate, they answer their phone, they make your needs feel important and work over time to make sure your deadlines are kept. Excellent customer services, customer responsiveness, and overall performance. Can't wait to close another deal with these guy!

Jamean B.

18:51 18 Nov 20

I have done a few loans with Source One and the experience has always been smooth. Sacha responded fast to emails and call with questions about the terms and process each time and once the commitment was agreed to the process was easy. I would recommend him to others and I will be doing business with him in the future for sure.

Devon J.

11:03 28 Oct 20

chris C.

17:27 27 Oct 20

Sacha was amazing every step of the way. Very fast and smooth process. I will definitely use Sacha for any future loans. Thank you so much Sacha and Source capital yall are great.

Lisa L.

20:31 26 Oct 20

I was cleary hesitate to contact a hard money loan company through a website, without a face to face meeting or anyone recommendation, how could be possible over million dollar deal went through? But, Ryan Burns made this happen, after the 1st phone consultation, I decided to fill in application, and give out my personal information, we talked almost every two or three days to make sure the deal is there and nothing falling through.The most amazing feel is Ryan complete the task on time, if he says he will provide the LOI by 5pm, you will get it. I was very pleased to work with Source Capital, there are plenty hard money loan company there, but Ryan will still be my first choice for my next project.

Hudson B.

12:42 22 Oct 20

i was referred by a trusted business colleague and my particular experience from the outset was extremely fruitful and exceeded my expectations. The application process was very straightforward but subject to some delays of my own making. Sacha was very patient and ultimately delivered a proposal which perfectly suited my requirements. I would use Source Capital again without hesitation and moreover invest with the company in the future. In summary, my experience with Source Capital easily exceeded the Five Star limit!

Jirka N

16:31 08 Aug 20

My first experience with Sacha was in 2011 and we have closed many loans since then.Sacha, Ryan and Marie are always professional, on time and on the top of it. Excellent and fast and easy communication.Their process is very convenient, mostly paperless and a lot can be done fast and remotely. If you have equity in your house they will work with you even if you have low credit score.Recommend them highly.

Susan S.

01:05 01 Aug 20

Eleven years ago we were fortunate enough to find Source Capital through a friend at our club. We started out with investing 5 percent of our worth as our initial investment. We gradually increased our participation because of continued success with Source Capital and now have entrusted 90 percent of our worth with them. We are so comfortable and secure with Source Capital, that we have felt at ease introducing many of our friends and family to this wonderful company. We enthusiastically recommend this highly knowledgeable and professional company.

Howard C.

18:26 30 Jul 20

I have invested with Source Capital Funding for fourteen years. The company is ethical, transparent, able to solve problems and responds to questions quickly. This is a first class company. I recommend highly.

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