San Francisco Hard Money Loans
- Direct Private Lender
- Anywhere from $100K-$5M available
- Fast Funding and quick approvals
What is a San Francisco Hard Money Loan?
- Any credit score can be accepted
- Past foreclosure and bankruptcy is OK
- Any income or employment level is eligible
- Individuals, LLCs, corporations, and foreign nationals welcome to apply
Terms
Up to 70% LTV with loan amounts ranging from $100,000 to $5,000,000.
Speed
Direct access to private capital supports streamlined underwriting and accelerated funding timelines.
Requirements
Approval isn’t impacted by credit scores and income requirements.
Benefits
No hidden lender fees, penalties for prepayment, or “junk fees.”
San Francisco Loan Programs
Hard Money Loans
Get fast, asset-based hard money loans for real estate purchases, refinancing, and investment opportunities.
Bridge Loans
Use bridge loans to leverage existing equity and transition between real estate transactions with short-term financing.
Private Money Loans
Secure fast approval and flexible financing through private money loans backed by residential or commercial real estate.
Commercial Loans
Finance commercial real estate purchases, refinancing, renovations, and business property investments with flexible loan options.
DSCR Loans
Get DSCR loans designed for rental property investors using property cash flow instead of personal income.
Owner-Occupied Loans
Access owner-occupied loans with flexible qualification options for refinances.
Investment Property Loans
Secure financing for rental properties, property acquisitions, renovations, and other real estate investments based on property value and investment potential.
Non-QM Loans
Access flexible financing with alternative income documentation and qualification options for borrowers who may not meet traditional lending requirements.
Trust Loans
Obtain financing for real estate held in a trust using the property’s equity and value to support purchases, refinancing, or other financial needs.
What California Borrowers Say About Us
How It Works
It takes minutes to complete our online application to get prequalified for a loan.
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
You make monthly payments via mail, phone or direct deposit. It’s that easy.
Why Source Capital Is One of the Best Hard Money Lenders in San Francisco
Diverse Financing Solutions
We provide flexible financing options across California, including hard money loans throughout San Francisco and surrounding markets.
Competitive Rates
Our San Francisco commercial loans and real estate financing programs typically feature interest rates between 8.99% and 11.99%, depending on equity and asset type.
Proven Success
Our Accredited Business rating remains A+, reflecting our commitment to ethical lending and consistent funding performance.
Strong Brand Recognition
We’re a trusted San Francisco private money lender with media recognition from outlets like MSN, Business Insider, and Realtor.
Deal directly with the lender
San Francisco 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
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 Loan Resources for San Francisco 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 San Francisco Hard Money Loans
What are the current hard money loan rates in San Francisco?
Rates for hard money loans generally begin around 8.99% and may reach approximately 13.99%, depending on the property and loan structure.
How do San Francisco hard money lenders qualify borrowers?
Hard money lenders in San Francisco primarily evaluate the property securing the loan. Equity and exit strategies typically carry greater weight than income, credit score, or employment.
How fast can I get funded in San Francisco?
Most San Francisco hard money loans close within a week, or 10 days at the most. Preliminary loan terms are often issued within 24 hours.
What types of properties qualify for a San Francisco hard money loan?
Who are the best hard money lenders in San Francisco?
Source Capital is recognized as one of the leading hard money lenders within San Francisco due to our direct funding model, rapid approvals, and equity-focused underwriting approach. Contact us today to confirm eligibility and secure financing quickly.
