Hard Money Lender | Contra Costa, 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.
CONTRA COSTA, CA Hard Money Lenders
Contra Costa County—nestled in the East Bay region of Northern California—offers a dynamic real estate landscape with strong housing demand, diverse investment opportunities, and steady market appreciation.
From Walnut Creek and Concord to Richmond and Pleasant Hill, the area continues to attract investors seeking value beyond the high costs of San Francisco and Silicon Valley.
When traditional lenders take too long or decline financing due to strict documentation and credit requirements, a local hard money lender like SDC Capital provides the speed, flexibility, and certainty you need to close.
We fund loans based on real estate equity, not income statements or tax returns, so you can act fast in Contra Costa’s competitive real estate market.
What’s The Difference Between Private Money Lenders And Traditional Banks In CONTRA COSTA?
raditional banks often require:
W-2s, tax returns, and extensive financial documentation
High credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal processes
Rigid lending criteria that exclude many investors
In Contra Costa’s fast-moving market—where opportunities can vanish in days—waiting 30 to 60 days for traditional approval can cost you the deal.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not your 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 transactions
When banks slow you down, private money gives you the edge to move quickly and confidently.
Are Hard Money Loans Good For Residential Properties In CONTRA COSTA?
Absolutely. Contra Costa’s housing market remains one of the strongest in Northern California, driven by demand from Bay Area commuters, steady population growth, and limited housing inventory.
The county’s diverse mix of single-family homes, multi-unit properties, and fix & flip opportunities make it ideal for both short- and long-term real estate strategies.
We fund:
Purchases of single-family, multifamily, and 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 Contra Costa County is approximately $770,000, up around 5% year-over-year.
In this fast-paced environment, hard money financing helps investors compete—and close—with confidence.
Are Hard Money Loans Good For Commercial Properties In CONTRA COSTA?
Yes. Contra Costa’s commercial sector is thriving, supported by business growth, suburban office migration, and redevelopment across the I-680 and Highway 4 corridors.
From Walnut Creek’s mixed-use centers to Concord’s industrial spaces, commercial opportunities continue to expand.
We fund:
Office, retail, and mixed-use properties
Industrial and warehouse spaces
Transitional or vacant commercial real estate
Owner-user or investor-held properties
When traditional lenders hesitate due to tenant mix, vacancy, or property condition, SDC Capital offers flexible, asset-based solutions to help you close efficiently.
are Hard Money Loans Good For Fix & Flip Property in contra costa?
Definitely. Many of Contra Costa’s established neighborhoods—such as Martinez, Pittsburg, and El Cerrito—offer older homes with strong renovation potential. Investors can achieve solid returns by modernizing properties in high-demand communities.
Our fix & flip loans feature:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and funding in days
Streamlined draw process for rehab funds
No appraisal required in most cases
Whether you’re updating a single-family home in Walnut Creek or revitalizing a duplex in Richmond, SDC Capital provides the financing you need to move fast and finish strong.
Cash-Out Refinance Loans With a contra costa Hard Money Lender: how it works
If you own property in Contra Costa with significant equity, a hard money cash-out refinance allows you to unlock that equity quickly—without the long wait and rigid qualifications of a bank refinance.
Use your proceeds for:
Renovations or ADU construction
Paying off maturing loans or high-interest debt
Partnership buyouts or estate settlements
Acquiring additional investment properties
We lend to individuals, LLCs, and trusts, tailoring each loan to your goals and project timeline.
The Bottom Line
At SDC Capital, we’re more than lenders—we’re strategic partners for California real estate investors. Our deep understanding of the East Bay market and practical underwriting approach help Contra Costa borrowers close deals that traditional lenders 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 structures for complex scenarios
From Walnut Creek to Concord, Antioch, Richmond, and Brentwood, SDC Capital delivers the reliable hard money lending solutions that investors trust when banks fall short.
What is a Hard Money Loan In contra costa?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit.
These loans are ideal for:
Real estate investors and fix & flippers
Business owners needing fast capital
Homeowners bridging between transactions
Borrowers with nontraditional or urgent financing needs
When traditional lenders can’t move fast enough, SDC Capital, your trusted Contra Costa hard money lender, helps you close quickly, confidently, and competitively.
Hard Money Lenders in CONTRA COSTA
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: