Hard Money Lender | Bakersfield, CA
Rates from 8.99% and 1 point
Same-day Approvals, Funding in Days
No Appraisals (most scenarios)
No tax returns or pay stubs required
No minimum DSCR
No prepayment penalty (available)
No advanced lender fees
Up to 70% Loan-to-Value
Closings in as few as 7 days
Call us now at 818-638-9982 to speak directly with a decision maker. Or, please complete the form if you would like us to contact you.
BAKERSFIELD, CA Hard Money Lenders
Bakersfield, located in California’s Central Valley, is one of the state’s fastest-growing and most affordable real estate markets. Known for its strong rental demand, expanding logistics and energy sectors, and steady population growth, the area attracts both local and out-of-area investors seeking stable, high-yield opportunities outside of Los Angeles and the Bay Area.
When traditional banks delay or deny financing due to strict credit or documentation requirements, a local hard money lender like SDC Capital provides the speed, flexibility, and reliability needed to close.
We fund loans based on real estate equity, not tax returns or income statements, so you can act fast in Bakersfield’s competitive and growing market.
What’s The Difference Between Private Money Lenders And Traditional Banks In BAKERSFIELD?
Traditional banks often require:
W-2s, tax returns, and full documentation
High credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal processes
Rigid lending criteria that exclude nontraditional borrowers
In Bakersfield’s active market—where attractively priced properties sell quickly—waiting 30 to 60 days for bank approval can mean missing the deal.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not income or credit score
Flexible ownership structures (LLCs, trusts, partnerships)
Closings in as little as 7 days
No appraisal required in most cases
Creative funding for complex or time-sensitive scenarios
When banks slow you down, private money lending gives you the speed and certainty to move forward.
Are Hard Money Loans Good For Residential Properties In BAKERSFIELD?
Yes. Bakersfield’s residential real estate market remains one of the most accessible and profitable in California, offering strong rental yields and room for appreciation. Investors and homeowners alike are drawn to the area’s affordability, making it a popular choice for fix & flip and long-term hold strategies.
We fund:
Purchases of single-family, multifamily, or rental properties
Bridge loans for 1031 exchanges or buy-before-sell scenarios
Trust, estate, or LLC-held assets
Fix & flip or value-add projects
Market stats:
The median home price in Bakersfield is around $390,000.
With inventory moving fast, hard money financing helps investors stay competitive in Bakersfield’s active housing market.
Are Hard Money Loans Good For Commercial Properties In bakersfield?
Absolutely. Bakersfield’s commercial real estate sector continues to expand, driven by its strong logistics network, proximity to major highways, and growing industrial base. From warehouse conversions to retail redevelopments, investors are finding attractive opportunities throughout Kern County.
We fund:
Industrial and warehouse properties
Office, retail, and mixed-use buildings
Transitional or vacant commercial assets
Owner-user or investor-held properties
When traditional lenders hesitate due to property condition, tenant mix, or unconventional ownership, SDC Capital provides asset-based financing solutions that help you close quickly and confidently.
are Hard Money Loans Good For Fix & Flip Property in bakersfield?
Yes—and Bakersfield offers some of the best fix & flip opportunities in the Central Valley. Many older homes and underutilized assets in areas like Downtown, Oleander/Sunset, and Rosedale can be renovated for excellent returns.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and funding in days
Streamlined draw process for renovation funds
No appraisal required in most cases
Whether you’re modernizing a single-family home or repositioning a multifamily property, SDC Capital helps Bakersfield investors move fast and finish profitably.
Cash-Out Refinance Loans With a bakersfield Hard Money Lender: how it works
If you own property in Bakersfield with substantial equity, a hard money cash-out refinance lets you access that equity—without the red tape of a conventional refinance.
Use your proceeds for:
Renovations or ADU construction
Paying off maturing loans or high-interest debt
Partnership buyouts or estate settlements
Investing in additional real estate opportunities
We lend to individuals, LLCs, and trusts, offering flexible structures tailored to your goals and timeline.
The Bottom Line
At SDC Capital, we’re more than just lenders—we’re partners in helping Central Valley real estate investors succeed. Our experience in the Bakersfield market and practical, asset-based approach help borrowers close deals that others can’t.
Borrowers choose SDC Capital for:
Closings in as few as 7–10 days
Direct access to decision-makers
Transparent terms and competitive rates
Flexible loan structures for unique or complex deals
From Downtown Bakersfield to Seven Oaks, Rosedale, and East Bakersfield, SDC Capital delivers the reliable hard money lending solutions investors trust when banks fall short.
What is a Hard Money Loan In bakersfield?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit score.
These loans are ideal for:
Real estate investors and fix & flippers
Business owners needing quick capital
Homeowners seeking bridge financing
Borrowers with nontraditional or urgent financing needs
When traditional lenders can’t move fast enough, SDC Capital, your trusted Bakersfield hard money lender, helps you close quickly, confidently, and competitively.
Hard Money Lenders in bakersfield
Looking for quick and flexible financing in California? Our hard money loan options are tailored for real estate investors who need fast access to capital. We provide reliable funding solutions across the state, ensuring you can close your deals without delays.
Explore our lending options in prominent California locations: