HARD MONEY LENDER | IRVINE, 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.
Irvine, CA Hard Money Lender
As one of Orange County’s most dynamic real estate markets, Irvine is known for its master-planned communities, strong job market, and steady housing demand. Whether you're investing in residential flips, multifamily rentals, or commercial developments, the Irvine market rewards speed, certainty, and access to capital. That’s where SDC Capital comes in.
We help real estate investors and developers secure fast, flexible hard money loans in Irvine—with none of the red tape that comes with a traditional bank.
What’s the Difference Between Private Money Lenders and Traditional Banks in Irvine?
In Irvine’s fast-moving real estate environment, timing is critical. Traditional lenders can take 45–60 days or longer, often requiring full documentation and high credit scores. A hard money loan, however, can close in as little as 7 days—because approval is based on equity, not income or FICO scores.
This speed and flexibility is crucial for real estate investors who need to act fast in a competitive market like Irvine.
Are Hard Money Loans Good for Residential Properties in Irvine?
Absolutely. From single-family homes in Woodbridge to duplexes near the Spectrum, SDC Capital helps investors stay competitive in Irvine’s tight residential market.
With rising demand and limited inventory, Irvine buyers often face bidding wars. A hard money loan allows you to present a cash-like offer, improving your odds of winning the deal—without having to liquidate other assets.
Are Hard Money Loans Good for Commercial Property in Irvine?
Yes. Irvine’s commercial real estate scene—from office buildings along Jamboree Road to mixed-use developments near University Town Center—requires adaptable financing. If your deal doesn’t fit a bank’s narrow guidelines, a commercial hard money loan from SDC Capital might be the answer.
We can fund most commercial deals in as little as 7–10 days—far faster than traditional lenders.
Hard Money Loans for Fix & Flip Properties in Irvine
Flipping homes in Irvine can be a lucrative opportunity, but only if you move quickly. Let’s say you're renovating in Northwood or Turtle Rock, SDC Capital provides fix & flip loans that get you to the closing table fast—and allow for staged draws during your renovation.
Banks can stall your momentum. We help you stay on schedule and competitive from acquisition to resale.
Cash-Out Refinance Loans in Irvine: How It Works
If you have equity in an Irvine property, a cash-out refinance loan can unlock capital for your next purchase or project. Whether you own a rental home near UCI or a commercial property in the Airport Business District, SDC Capital can lend up to 80% of the current value if the property is owned free and clear.
Even with limited documentation or poor credit, our loans are built around your property’s equity—not your financial statements.
What is a Hard Money Loan in Irvine?
Hard money loans are short-term, asset-based loans designed for real estate investors. Instead of focusing on your credit score, income, or tax returns, our loans are backed by real estate collateral.
In Irvine’s fast-paced market, this flexibility can give you the edge you need to close quickly and capitalize on opportunities.
Benefits of a Hard Money Loan
Savvy real estate investors in Irvine leverage hard money loans for speed, simplicity, and scalability. Here’s why:
Flexible Underwriting: We prioritize your project’s value and timeline—not your paperwork.
Faster Funding: Close in 7–10 days, not 30+.
Low Credit? No Problem: Approval is based on equity and exit strategy.
Who in IRVINE Typically Uses a Hard Money Loan?
✔ Real estate investors moving quickly on hot opportunities
✔ Borrowers with low documentation or high vacancy properties
✔ Flippers executing rehab projects across Irvine
✔ Investors looking to cross-collateralize multiple properties
✔ Buyers needing a fast close in a competitive market
The Bottom Line
At SDC Capital, we provide hard money loans for Irvine real estate investors who want fast, reliable funding without jumping through hoops. It doesn’t matter if you’re flipping a home in Quail Hill, acquiring commercial space in the Business District, or refinancing a rental in Westpark, SDC Capital makes it simple—with LOIs in 24 hours and closings in as few as 7 days.
📞 Call (818) 638-9982 or request a quote online to get started.
Recent Hard Money Loans in IRVINE Area
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: