Hard Money Lender | LA palma, 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.
LAguna beach, CA Hard Money Lenders
With its world-famous coastline, high-end real estate, and artsy charm, Laguna Beach offers unique opportunities—and challenges—for real estate investors.
Whether you’re acquiring a luxury flip, funding a bridge loan for a blufftop rental, or cashing out equity in a boutique commercial space, SDC Capital provides fast, flexible hard money loans tailored to the Laguna Beach market.
Our local experience allows us to navigate complex deals in coastal zones, hillside neighborhoods, and high-value properties—without unnecessary delays.
What’s The Difference Between Private Money Lenders And Traditional Banks In LAguna beach?
Traditional financing often doesn’t work for Laguna Beach projects due to:
Tight timelines
Unique zoning and property characteristics
Borrowers with non-traditional income
High-value properties needing non-conforming loan amounts
We bypass the red tape and focus on your property’s value—not your tax returns or credit score.
Are Hard Money Loans Good For Residential Properties In LAguna beach?
Laguna Beach homes—from oceanfront estates to hillside cottages—often need speed and flexibility in financing.
We help borrowers secure:
Fix & flip loans for luxury remodels
Bridge loans while listing or staging a home
Purchase funding for high-demand properties
Loans for non-owner-occupied rentals
In most scenarios, no appraisal is needed, and we can close in as little as 7 days.
Are Hard Money Loans Good For Commercial Property In LAguna beach?
While Laguna Beach is known for residential, it’s also home to boutique retail, offices, galleries, and mixed-use properties that can benefit from private lending.
We fund:
Commercial acquisitions
Repositioning or value-add projects
Cash-out refinance for stabilized assets
Short-term bridge loans between tenants or sales
If your deal needs to move fast—or falls outside of a bank’s narrow box—we can help.
are Hard Money Loans Good For Fix & Flip Property in LAguna beach?
Flipping in Laguna Beach often involves unique architecture, high-end finishes, and discerning buyers. Our fix & flip loans offer:
Fast closings so you don’t lose deals
Flexible draw schedules
Up to 70% of purchase price or ARV-based funding
No income docs or appraisals (in most cases)
Whether you’re remodeling a Top of the World cottage or updating a South Laguna retreat, we make it happen.
Cash-Out Refinance Loans With a laguna beach Hard Money Lender: how it works
Need liquidity from a rental or commercial property in Laguna Beach? Our cash-out loans give you access to equity—fast.
Use the funds for:
New property acquisitions
Renovations or expansions
Bridge financing
Business purposes
Perfect for self-employed borrowers, trust ownership, or properties in LLCs.
The Bottom Line
SDC Capital is a California-based direct lender who understands the Laguna Beach market and moves fast to help real estate investors succeed.
What sets us apart:
LOIs in 24 hours or less
Direct access to decision-makers
No appraisals or income docs (most deals)
No prepayment penalty options available
Competitive rates with zero upfront lender fees
What is a Hard Money Loan In LAGUNA BEACH?
A hard money loan is a short-term real estate loan secured by property value, not income or credit. It's the go-to option for investors, flippers, and entrepreneurs who need speed and flexibility to act quickly in competitive markets.
Hard Money Lenders in California
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: