Experience the SDC Advantage

SDC Capital has a 15+ year track record in private debt investing, delivering consistent income with low volatility and zero principal losses. SDC invests in short-term loans secured by residential and commercial real estate in California and select Western supply-constrained markets.

Vertically Integrated Real Estate family Office

Unique background as a developer, investor and lender, with cycle-tested ownership and management experience of CRE projects and thousands of multi-family units.

MANAGER ALIGNMENT OF INTERESTS

The Fund is aligned by a significant investments from the Principals of SDC Capital, combining personal commitment with an institutional-caliber platform.

ROBUST DEAL SOURCING & STRINGENT UNDERWRITING

SDC integrates proprietary deal flow, differentiated local market intelligence, and fundamental underwriting to maximize risk-adjusted returns through economic cycles.

proven history. trusted results.

By the Numbers

For over a decade, SDC originated and funded short-term real estate loans with its own funds and with participation from outside investors.

$434mm+ Total Amount Funded
$0 Principal Loss
$143mm+ Funded by Principals
650+ Loans Funded
9.20% Avg. Borrower Interest Rate
62.6% Avg. Loan-to-Value (“As-is” Value)

Fund Benefits

Look Beyond Traditional Stocks and Bonds for Income, Diversification and Lower Volatility

Predictable Monthly
Cash Flow

Predictable Monthly
Cash Flow

Seeks consistent current income with regular monthly distributions.

Investor/Fund
Manager Alignment

Investor/Fund
Manager Alignment

Aligned by a significant co-investment by the Principals of SDC Capital along side the Fund

Downside
Protection

Downside
Protection

Targets a 30%-40% cushion, senior to the property owner's equity, to protect from potential declines in real estate value.

Higher Yields with
Reduced Volatility

Higher Yields with
Reduced Volatility

Targets 8.0% to 9.0% yields with no correlation to stock or bond markets

Diversification

Diversification

Invests across a variety of loans backed by real estate in various major markets and property types

Tax Advantage

Tax Advantage

The REIT structure effectively reduces the investors' federal tax rate by 20% on fund income

SDC CAPITAL INCOME FUND LLC

Securing Your Peace of Mind

The SDC Capital Income Fund aims to deliver stable distributions, capital preservation, and competitive risk-adjusted returns through a disciplined real estate lending strategy.

Learn more about the SDC Capital Income Fund →
8.0%-9.0% Target Annual Return (Net)
Monthly Distributions
$100,000 Minimum Investment
3 months Lockup Period
1.50% of AUM Asset Management Fee
None Performance Fee


TAX ADVANTAGES

Unlock the Tax Benefits of a REIT

The REIT structure effectively reduces the investors’ federal tax rate by 20%, significantly enhancing the after-tax return and making it comparable to a much higher yielding non-REIT investment.

37.0 %

Highest Ordinary Income Tax Rate

29.6 %

Effective Highest Tax Rate on Ordinary Income After 20% Reduction

TESTIMONIALS FROM OUR INVESTORS

Investing with SDC Capital has not only provided me with steady returns but also peace of mind knowing my capital is working in a secure and profitable way.

— John M. SDC investor since 2011

With SDC Capital, I feel confident knowing that my investment is in good hands. Their rigorous approach to due diligence and excellent customer service set them apart..

— Andrew B. SDC investor since 2012

Investing with SDC Capital was one of the best financial decisions I’ve made. I’ve been continually impressed by their results.

— Peter L. SDC investor since 2013

SDC Capital has been a game-changer for my portfolio. Their professionalism and expertise give me confidence that my investments are well-managed and consistently yielding returns.

— David W. SDC investor since 2014

The team at SDC Capital truly understands the importance of building trust. The quality of their deals and commitment to safeguarding my capital make them an easy choice.

— Emily C. SDC investor since 2015

What sets SDC Capital apart is how steady everything feels: returns, reporting, responsiveness. It’s rare to find a team that operates with this level of consistency and care. I trust them with my capital, and that says everything.

— David C. SDC investors since 2016

From day one, SDC Capital has treated me like a true partner. Their disciplined approach and attention to detail give me confidence that my investment is in capable hands.

— Chris P. SDC investors since 2023

I’ve invested with the principals of SDC for several years now and continue to be impressed by their integrity and performance. I'm proud to invest my capital along side theirs.

— Grace C. SDC investors since 2014

how it works

Invest with insight. Grow with confidence. Take the first step toward a stronger portfolio.

Create Account

Open an account in minutes and commit to investing $100,000+

Borrowers Pay

Borrowers pay monthly on the 1st of the month via ACH

Investors Get Paid

Investors are paid on the 20th of the month via Direct Deposit

Get K-1 At End Of Year

After the end of the year, you will receive K-1 for income earned

WHY BORROWERS NEED BRIDGE FINANCING

Bridge Lending Attracts a Wide Range of Borrowers and a Myriad of Financing Scenarios

Quick
Close

Value-add
Property

Vacant
Property

Minimal
Pre-Payment
Penalty

Reverse 1031
Exchanges

Buy-Before-
Sell

Multiple
Property
Cross-Collateral

Avoiding
Trad. Bank
Requirements

Fix & Flip
Projects


STRATEGIC PARTNERS

Frequently Asked Questions

General

  • SDC is a private lending company that’s mission is to grow and nurture a high-performing team that provides reliable and efficient financing solutions to the real estate community while delivering competitive returns to its investors.

  • Private lending loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Private lending is typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk taken by the lender. Often, private lending is used for projects lasting from a few months to a few years.

  • Private Lending allows a real estate investor to finance acquisition and renovation costs, which reduces out of pocket expense significantly. Private lending also closes quickly and has less qualification requirements than conventional loans. These factors allow builders to compete for deals, retain needed capital, and maximize return on existing projects.

Investor

  • Yes, accredited investors are “natural persons” rather than institutions and have a net worth exceeding $1 million (excluding residence), or annual income topping $200,000 or $300,000 with spouse. Registered financial advisors are welcome as well

  • $100,000 is the minimum for the SDC Capital Income Fund, however the Fund manager may accept less to start a relationship. Please reach out to discuss.


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  • All share classes have a minimum 3 month hold period, with quarterly liquidity thereafter.


  • Yes, SDC Capital Principals are personally investing along side the fund and in select scenarios take a first loss position to further protect investors.

 

CA DRE License #00828051, NMLS License #248271

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