Hard Money Lender | Fresno, 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.
FRESNO, CA Hard Money Lenders
Fresno, the heart of California’s Central Valley, is one of the state’s fastest-growing real estate markets—offering affordability, strong rental demand, and expanding commercial development. With steady population growth and an influx of investors seeking opportunity beyond coastal cities, Fresno has become a top destination for both homeowners and real estate investors.
When traditional lenders delay or decline financing due to strict credit or income requirements, a local hard money lender like SDC Capital provides the flexibility, speed, and reliability needed to close.
We fund loans based on real estate equity—not tax returns, so you can act quickly in Fresno’s competitive and evolving market.
What’s The Difference Between Private Money Lenders And Traditional Banks In FRESNO?
Traditional banks often require:
W-2s, tax returns, and full documentation
Strong credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal timelines
Rigid lending criteria that don’t fit nontraditional borrowers
In Fresno’s dynamic market—where investors move quickly to secure opportunities—waiting 30 to 60 days for bank approval can mean missing 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 options for unique or time-sensitive scenarios
When banks slow you down, private money gives you the speed and certainty to move forward.
Are Hard Money Loans Good For Residential Properties In fresno?
Yes. Fresno’s residential real estate market continues to grow steadily, offering strong cash flow potential for both investors and homeowners. The area features a diverse mix of single-family homes, new subdivisions, and multi-unit rentals, making it ideal for fix & flip or long-term strategies.
We fund:
Purchases of single-family, multifamily, or rental properties
Bridge loans for 1031 exchanges or sale-to-purchase transitions
Estate, trust, or LLC-held assets
Fix & flip or value-add projects
Market stats:
The median home price in Fresno is approximately $386,000, down 0.6% year-over-year.
With prices rising and inventory moving fast, hard money financing helps investors stay competitive in Fresno’s active housing market.
Are Hard Money Loans Good For Commercial Properties In FRESNO?
Absolutely. Fresno’s commercial market is expanding, supported by population growth, new business development, and infrastructure investment. Industrial, retail, and mixed-use properties are in demand—particularly near major corridors and the Fresno Yosemite International Airport area.
We fund:
Office, retail, and mixed-use properties
Industrial and warehouse assets
Transitional or vacant commercial real estate
Owner-user or investor-held properties
When traditional banks hesitate because of property condition, tenant mix, or unconventional ownership, SDC Capital provides asset-based financing solutions that help you close quickly and confidently.
are Hard Money Loans Good For Fix & Flip Property in FRESNO?
Yes—and Fresno’s steady appreciation and growing buyer demand make it an excellent market for fix & flip investors. Many older properties offer strong potential for cosmetic renovations or full-scale rehabs that can yield high returns.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and funding in days
Streamlined draw process for renovation funds
No appraisal required in most cases
From revitalizing Central Fresno homes to upgrading suburban properties in Clovis or Fig Garden, we help investors move fast and finish profitably.
Cash-Out Refinance Loans With a FRESNO Hard Money Lender: how it works
If you own property in Fresno with significant equity, a hard money cash-out refinance lets you tap into that equity—without the red tape of a conventional refinance.
Use your cash-out proceeds for:
Renovations or ADU construction
Paying off maturing loans or high-interest debt
Estate or partnership buyouts
Investing in additional real estate
We lend to individuals, LLCs, and trusts, offering flexible options tailored to your goals and timelines.
The Bottom Line
At SDC Capital, we’re more than just lenders—we’re your partners in real estate investing. Our understanding of the Central Valley market and commitment to common-sense underwriting help Fresno borrowers close deals others 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 loan structures for complex or unique deals
From Fresno to Clovis, Madera, and Visalia, SDC Capital delivers the hard money lending solutions investors trust when banks fall short.
What is a Hard Money Loan In FRESNO?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit score.
These loans are ideal for:
Real estate investors and flippers
Business owners needing quick capital
Homeowners seeking bridge financing
Borrowers with nontraditional or urgent scenarios
When traditional lenders can’t move fast enough, SDC Capital, your trusted Fresno hard money lender, helps you close quickly—with confidence and flexibility.
Hard Money Lenders in FRESNO
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: