Hard Money Lender | Fairfield, 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.
FAIRFIELD, CA Hard Money Lenders
Fairfield, located between San Francisco and Sacramento, offers a strong mix of affordability, commuter demand, and steady population growth.
With its strategic location along the I-80 corridor, diverse housing stock, and consistent rental demand, Fairfield continues to attract both new and experienced real estate investors looking for opportunity outside major metros.
When traditional banks slow down financing due to strict credit requirements, lengthy underwriting, or documentation obstacles, a hard money lender like SDC Capital provides the speed, flexibility, and reliability needed to close in today’s Fairfield market.
We lend based on real estate equity—not tax returns or income statements—helping you move quickly in a market where well-priced properties don’t stay available for long.
What’s The Difference Between Private Money Lenders And Traditional Banks In FAIRFIELD?
Traditional banks typically require:
W-2s, tax returns, and full financial statements
High credit scores and low DTI ratios
Lengthy underwriting and appraisal timelines
Rigid lending guidelines that often exclude investors, self-employed borrowers, or unconventional scenarios
In Fairfield—where demand from both Bay Area commuters and local buyers creates steady competition—waiting 30–60 days for bank approval can cost you the deal.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not your credit score
Flexible borrowing structures (LLCs, trusts, partnerships)
Closing in as little as 7 days
No appraisal required in most cases
Creative financing for time-sensitive or unique situations
When banks slow you down, private money gives you the speed and certainty you need.
Are Hard Money Loans Good For Residential Properties In FAIRFIELD?
Yes. Fairfield’s residential market includes suburban neighborhoods, rent-friendly properties, and value-add opportunities across diverse price points. With its affordability compared to the Bay Area and strong demand from families and commuters, the market remains active and resilient.
We fund:
Purchases of single-family homes, multifamily properties, and rentals
Bridge loans for buy-before-sell or 1031 exchange scenarios
Trust, estate, or LLC-held real estate
Fix & flip or light rehab projects
Did you know?
Median home prices in Fairfield average around $600,000, offering more affordability than nearby counties while still maintaining strong long-term appreciation and rental demand.
Hard money financing helps Fairfield investors move quickly—especially in competitive, low-inventory, or opportunistic situations
Are Hard Money Loans Good For Commercial Properties In Fairfield?
Absolutely. Fairfield benefits from a diverse commercial landscape, including logistics, warehousing, retail centers, professional offices, and hospitality driven by its location in Solano County.
We fund:
Retail, office, and mixed-use buildings
Industrial and warehouse properties
Transitional or partially vacant commercial real estate
Owner-user and investor-held commercial opportunities
When traditional lenders hesitate due to tenant mix, property condition, or documentation challenges, SDC Capital provides asset-based solutions that allow you to close quickly and confidently.
are Hard Money Loans Good For Fix & Flip Property in FAIRFIELD?
Yes—especially in neighborhoods with older inventory where renovations can significantly boost resale value. Fairfield offers strong margins for investors who modernize and reposition properties.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and funding
Streamlined draw schedules for renovation
No appraisal required in most cases
From upgrading older suburban homes to modernizing rental-ready properties, SDC Capital helps Fairfield fix & flip investors execute quickly and profitably.
Cash-Out Refinance Loans With a FAIRFIELD Hard Money Lender: how it works
If you own property in Fairfield with substantial equity, a hard money cash-out refinance gives you fast access to capital without the slow, documentation-heavy process of a traditional refinance.
Use your proceeds for:
Renovations or building ADUs
Paying off maturing loans or high-interest debt
Business investment or new property acquisitions
Partnership buyouts or estate matters
We lend to individuals, LLCs, and trusts, offering flexible structures tailored to your goals.
The Bottom Line
At SDC Capital, we’re more than a lender—we're a long-term partner committed to helping Northern California investors succeed. Our asset-based approach and understanding of the Fairfield market allow us to fund deals that traditional banks can’t.
Borrowers choose SDC Capital for:
Closings in as few as 7–10 days
Direct access to real decision-makers
Competitive rates and transparent terms
Flexible loan structures for complex situations
Reliable California lending expertise
From Fairfield to Suisun City, Vacaville, Vallejo, Dixon, and Solano County, SDC Capital delivers dependable hard money lending solutions when speed and certainty matter most.
What is a Hard Money Loan In FAIRFIELD?
A hard money loan is a short-term, asset-based loan secured by real estate—not credit or income.
These loans are ideal for:
Real estate investors and fix & flippers
Homeowners needing bridge financing
Business owners seeking fast capital
Borrowers with urgent, unconventional, or time-sensitive needs
When banks can’t move quickly enough, SDC Capital—your Fairfield hard money lender—helps you close with speed, confidence, and flexibility.
Hard Money Lenders in FAIRFIELD
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: