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!