Commercial Hard Money Loans California
Fast, asset-based commercial hard money loans in California for investors, developers, and business owners.
- Direct Private Lender
- Rates from 8.99%
- Fast Approvals & Funding
Why Source Capital for Commercial Hard Money Lending in California
Source Capital is a direct private lender providing commercial hard money loans in California for business owners, real estate investors, and developers. Our asset-based lending approach emphasizes the strength of the property and transaction, allowing qualified borrowers to secure financing faster than many traditional lending options.
- Loan amounts from $100,000 to $5,000,000 with competitive rates
- Asset-based underwriting for qualifying commercial real estate and business-purpose loans
- Fast approvals and funding from an A+ BBB Accredited direct private lender
Commercial Loan Highlights
Fast Approvals
Access commercial financing with a streamlined process designed for borrowers who need fast capital.
Flexible Loans
Secure financing from $100,000 to $5,000,000 for qualifying opportunities.
Asset-Based Lending
Qualify based on property value and overall deal strength, rather than traditional requirements.
Property Types
Multi-family, office, retail, industrial, and other qualifying commercial real estate assets.
How Commercial Hard Money Loans Work in California
In California, commercial hard money lending is a streamlined, asset-based financing process in which approval relies on property equity rather than the borrower’s tax returns or credit history.
First, borrowers submit an initial application evaluating the commercial asset. Source Capital then underwrites the property’s current value to issue a written commitment. Once approved, funding is completed through escrow within 10 business days or less, followed by simple monthly payments.
Types of Properties We Lend For in California
Commercial real estate covers many different property types, including traditional office and retail spaces as well as specialized properties like healthcare facilities and data centers.
Understanding which type of property you are financing is important, as each asset class can have its own valuation, income, operating, and financing requirements.
Office
Office properties can range from standalone professional buildings to major urban high-rises and suburban office parks. They are also often classified as Class A, B, or C based on characteristics such as location, age, condition, and available amenities.
Industrial
Industrial real estate encompasses warehouses, distribution centers, manufacturing facilities, logistics properties, and flex-industrial buildings. These properties are typically used for storage, manufacturing, distribution, and other commercial operations.
Multifamily
Multifamily real estate includes apartment buildings and other residential properties that generate income from multiple units. For investment purposes, properties containing five or more dwelling units are generally considered commercial real estate.
Retail
Retail properties accommodate businesses that sell products or services directly to consumers. Common examples include standalone storefronts, strip malls, shopping centers, grocery-anchored properties, and larger regional retail developments.
Specialized Commercial Properties
Commercial real estate also encompasses specialized sectors, including hospitality, healthcare, and alternative property types. Hospitality assets can include hotels, motels, and extended-stay properties, while healthcare real estate may consist of medical offices, clinics, and specialized care facilities.
Alternative commercial properties include self-storage facilities, data centers, and life sciences properties. Mixed-use developments may also incorporate a combination of commercial and residential uses within a single property.
What California Borrowers Say About Us
How to Qualify for a Commercial Hard Money Loan in California
Qualifying for a commercial hard money loan in California typically depends on the value of the commercial property, available equity, and your exit strategy rather than traditional income requirements. Source Capital evaluates each opportunity based on the strength of the overall transaction.
- Own or Purchase Commercial Real Estate
The loan must be secured by a qualifying commercial or investment property. - Demonstrate Available Equity
Lenders review the property’s value and loan-to-value ratio to determine eligibility. - Present an Exit Strategy
A repayment plan, such as refinancing or selling the property, helps support the loan application. - Apply Online
Complete our Apply Now process to determine eligibility and receive a financing decision quickly.
Benefits of Commercial Hard Money Loans in California
Flexible Financing
We offer competitive rates starting at 8.99% for qualifying commercial hard money loans, with terms based on the property and leverage.
Competitive Rates
We offer competitive rates starting at 8.99% for qualifying California investment properties, with terms based on the property's cash flow and loan structure.
Proven Success
We're an A+ BBB Accredited direct private lender committed to ethical lending, responsive service, and efficient funding.
Strong Brand Recognition
We're a trusted commercial hard money lender in California, with recognition from Business Insider, MSN, and Realtor for our expertise in real estate financing.
Deal directly with a decision maker
California Hard Money Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
Non-owner-occupied (multifamily, industrial, office, retail, and mixed-use) |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in California
- Anaheim
- Bakersfield
- Fresno
- Long Beach
- Los Angeles
- Modesto
- Oakland
- Orange County
- Palm Springs
- Redding
- Richmond
- Riverside
- Sacramento
- San Diego
- San Francisco
- San Jose
- Santa Ana
- Santa Barbara
- Santa Rosa
- Stockton
- …and More
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“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 Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“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 Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“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 Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“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 Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
Hard Money Resources for California Borrowers
- Blog, Bridge Loans
Bridge loans are short-term financing solutions that help borrowers cover funding gaps while they wait
- Blog, Hard Money Loans
A hard money loan can be a valuable financing solution, but are hard money loans
- Blog
California’s real estate market moves fast. Whether you’re purchasing an investment property, funding a renovation,
- Blog
Hard money loans are designed to provide fast, asset-based financing for two main reasons: for
Get prequalified today
Frequently Asked Questions about California Commercial Loans
What are typical fees for commercial hard money loans in California?
Commercial hard money loan fees in California typically include origination fees, closing costs, and other lender-related expenses. The total cost depends on the loan amount, property type, and overall structure.
What are the eligibility requirements for a California commercial hard money loan?
Eligibility for a California commercial hard money loan is based primarily on the value of the commercial property, available equity, and your exit strategy.
How do commercial hard money loans compare to traditional bank loans in California?
Commercial hard money loans generally offer faster approvals and more flexible underwriting than conventional bank financing.
What types of properties qualify for commercial hard money lending in California?
Commercial hard money loans may be available for qualifying office buildings, retail centers, industrial properties, mixed-use developments, multifamily properties, and other commercial real estate.
How fast can Source Capital fund a commercial hard money loan in California?
Source Capital offers streamlined approvals and efficient funding for qualified commercial hard money loans in California. Exact timelines vary depending on the property and transaction complexity.