HARD MONEY LENDER | BREA, 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.
BREA, CA Hard Money Lender
Brea, located in North Orange County, is known for its highly rated schools, strong retail sector, and blend of established neighborhoods and modern developments. It’s become a sought-after market for both residential and commercial investors—and opportunities are moving fast.
Whether you’re flipping homes, refinancing rentals, or acquiring income-producing property, you need fast, flexible capital. That’s where SDC Capital comes in.
As a trusted hard money lender in Brea, SDC Capital helps investors move quickly—without the delays of a traditional bank.
What’s the Difference Between Private Money Lenders and Traditional Banks in BREA?
In a market like Brea, time kills deals. Traditional banks can take 45–60 days or longer, with heavy documentation requirements and underwriting based on your income and credit. By contrast, hard money lenders can fund in as little as 7 days, and approval is based on property equity—not your financials.
That’s why more real estate investors in Brea are choosing private money loans to stay competitive.
Are Hard Money Loans Good for Residential Properties in BREA?
Yes—Brea’s residential real estate is highly competitive, especially near Birch Street, Brea-Olinda High School, and in neighborhoods like Country Hills or Blackstone. Whether you're buying a townhome, duplex, or single-family property, a hard money loan in Brea helps you compete with all-cash buyers.
SDC Capital understands the local market and provides real estate investors with the speed they need to close quickly and confidently.
Are Hard Money Loans Good for Commercial Property in BREA?
Absolutely. Brea has a thriving commercial sector. It is the home to professional offices, medical buildings, and popular retail centers like Brea Mall and Downtown Birch Street. If you’re acquiring or refinancing commercial property, we can fund the deal fast.
Unlike banks that may require months of underwriting, SDC Capital can close in 7–10 days, even on complex commercial transactions.
Hard Money Loans for Fix & Flip Properties in BREA
Brea is a solid city for fix and flip projects, especially with consistent buyer demand and limited inventory. But in the flipping world, speed is everything—you can’t wait 2 months for a traditional loan approval.
With a fix and flip hard money loan from SDC Capital, you get fast access to capital, and we release funds in stages as your project progresses. From initial purchase to rehab and resale, we help flippers stay ahead of the curve.
Cash-Out Refinance Loans in BREA: How It Works
If you own a property in Brea with equity, a cash-out refinance loan allows you to tap that value and put it to work. Whether you’re expanding your portfolio, covering renovation costs, or reinvesting in a new deal, SDC Capital can help.
We can lend up to 80% of your property’s as-is value, and we don’t require tax returns or pay stubs—even if your credit isn’t perfect.
What is a Hard Money Loan in BREA?
A hard money loan is a short-term, asset-based loan designed for real estate investment. These loans are secured by the property, not your credit score or tax history.
In a competitive city like Brea, having access to fast capital is often what separates successful investors from the rest.
Benefits of a Hard Money Loan
Smart real estate investors use hard money loans to stay agile and competitive. Here’s why:
Flexible Underwriting: Less paperwork, more flexibility. We’ll assess your project and equity—not just your income.
Fast Closings: Secure funding in 7–10 days and move on your deal without delays.
Credit Not a Dealbreaker: Approval is based on property value and strategy, not your FICO score.
Who in BREA Typically Uses a Hard Money Loan?
✔ Real estate buyers who need to move quickly
✔ Borrowers with limited credit or income documentation
✔ Flippers buying, renovating, and reselling property
✔ Investors refinancing underperforming or high-vacancy assets
✔ Clients cross-collateralizing multiple properties
The Bottom Line
At SDC Capital, we make hard money lending fast, flexible, and local. Whether you’re flipping a home in Brea, acquiring a commercial asset, or tapping equity from an existing property, we provide quick decisions, no-nonsense terms, and LOIs in 24 hours.
📞 Call (818) 638-9982 or request a quote online to get started.
Recent Hard Money Loans in BREA
California Hard Money Lenders
Securing hard money financing in California doesn’t have to be difficult. SDC Capital offers fast, flexible bridge loan solutions across the state, giving real estate investors the capital they need when traditional lenders can’t provide the support.
With our local expertise, we can help you close your next deal quickly and efficiently. Discover our hard money lending options in key California locations: