HARD MONEY LENDER | FREMONT, 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.
Fremont, CA Hard Money Lender
Fremont, nestled in the Bay Area between Silicon Valley and Oakland, has become a hotbed for real estate investment thanks to its growing tech presence, proximity to major highways, and demand for housing and commercial space.
According to Zillow, Anaheim’s median home price rose by over 2.9% year-over-year as of May 2025, reflecting growing demand from both homeowners and investors.
Whether you’re flipping homes, purchasing rental units, or acquiring commercial real estate, the competitive Fremont market demands fast, flexible financing. SDC Capital is ready to help you secure a hard money loan in Fremont—without the usual bank delays.
What’s the Difference Between Private Money Lenders and Traditional Banks in Fremont?
In Fremont’s fast-paced real estate scene, timing is everything. Unlike traditional banks that take 45–60 days and require piles of paperwork, hard money lenders can close in as few as 7 days. That speed can mean the difference between landing a great deal—or losing it.
Hard money loans rely heavily on the property’s equity, not your income or credit score. For investors who need certainty and speed, this makes all the difference.
Are Hard Money Loans Good for Residential Properties in Fremont?
Yes. Whether you're looking at a single-family home in the Warm Springs District, a duplex in Irvington, or an apartment complex near Downtown Fremont, SDC Capital can help you secure fast funding to stay competitive.
With bidding wars and tight inventory, real estate investors in Fremont often need to make quick, cash-like offers. A hard money loan gives you the speed and leverage to compete, even if you don’t have the liquid capital upfront.
Are Hard Money Loans Good for Commercial Property in Fremont?
Absolutely. Fremont has a robust commercial sector—from industrial warehouses to office buildings and mixed-use properties. Whether you’re buying near Ardenwood’s tech hub or acquiring a retail center off Mission Blvd, we can provide commercial hard money loans tailored to your deal.
Unlike banks that may take 2–3 months, SDC Capital can fund your project in as little as 7–10 days—even if your property doesn’t meet strict conventional lending guidelines.
Hard Money Loans for Fix & Flip Properties in Fremont
Fremont is an ideal market for savvy investors looking to flip properties. But success hinges on timing. Waiting for a bank loan could cause you to lose a hot deal—or delay your rehab timeline.
With a hard money fix & flip loan, you get funds fast, with the flexibility to draw from the loan during different phases of renovation. From South Fremont to Centerville, we help investors move quickly from acquisition to resale.
Cash-Out Refinance Loans in Fremont: How It Works
Have equity tied up in a Fremont property? A cash-out refinance loan allows you to tap that equity and put it to work—whether you're buying a new property, covering renovation costs, or paying off debt.
If your property is owned free and clear, SDC Capital can lend up to 80% of its current value, even if your income or credit isn't perfect. In a market like Fremont, that kind of capital access can unlock new opportunities.
What is a Hard Money Loan in Fremont?
Hard money loans are short-term, asset-based loans for real estate investors. They’re not based on credit scores or tax returns. Instead, the loan is secured by the real estate asset itself. That’s why even borrowers with less-than-perfect credit can qualify.
In Fremont’s fast-moving market, this kind of speed and flexibility is critical.
Benefits of a Hard Money Loan
Experienced and first-time investors alike benefit from hard money lending. Here's how:
Flexible Underwriting: Close in as little as 7 days with streamlined documentation. Be ready to explain your project timeline and plan.
Fast Funding: Speed is everything. Traditional lenders can’t compete with 7–10 day closings.
Low Credit? No Problem: We focus on your equity position—not your income or credit history.
Who in Fremont Typically Uses a Hard Money Loan?
✔ Real estate investors who need to move quickly
✔ Borrowers with high-vacancy or underperforming rental properties
✔ Investors with limited credit or documentation
✔ Owners looking to cross-collateralize multiple properties
✔ Fix & flippers operating across Fremont and the Bay Area
The Bottom Line
At SDC Capital, our mission is to provide fast, flexible hard money loans for Fremont investors. Whether you’re working on a residential flip, a commercial acquisition, or a refinance, we deliver simple processes, quick answers, and LOIs within 24 hours.
Recent Hard Money Loans in THE FREMONT 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: