Hard Money Lender | LAguna NIGUEL, 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 NIGUEL, CA Hard Money Lenders
Laguna Niguel is one of Orange County’s most desirable coastal-adjacent cities, known for its master-planned communities, scenic views, and proximity to both employment centers and the beach.
With strong housing demand and limited inventory, real estate investors in Laguna Niguel often need fast, flexible capital to compete.
That’s where SDC Capital comes in. We provide private, asset-based loans for real estate investors, business owners, and developers needing certainty and speed—not red tape.
What’s The Difference Between Private Money Lenders And Traditional Banks In LAguna NIGUEL?
In high-demand markets like Laguna Niguel, traditional lenders are often too slow—or unwilling to lend—on unique real estate opportunities.
Private hard money loans offer:
Fast closings without waiting for income verification or appraisals
Funding based on equity, not credit or employment
Flexible loan structures for transitional or non-traditional properties
Whether you’re flipping a home, buying an investment rental, or refinancing a commercial property—we can fund deals banks won’t touch.
Are Hard Money Loans Good For Residential Properties In LAguna NIGUEL?
Laguna Niguel has a high concentration of single-family homes, townhomes, and condominiums, making it an attractive area for investors.
We lend on:
Fix & flips
Rental acquisitions
Bridge loans for purchases before sales
Trust, LLC, or self-employed ownership structures
Whether you're buying in communities like Marina Hills or Niguel Summit, we can fund your deal—often without an appraisal.
Are Hard Money Loans Good For Commercial Property In LAguna NIGUEL?
Laguna Niguel may be residential in character, but commercial and mixed-use assets along Crown Valley Parkway and Alicia Parkway are in steady demand.
We finance:
Owner-user office condos and retail spaces
Investment commercial properties
Light industrial and mixed-use projects
Specialty use or non-stabilized assets
If your bank says no, we look at the property’s potential—not just its paperwork.
are Hard Money Loans Good For Fix & Flip Property in LAguna NIGUEL?
Older homes in need of upgrades continue to provide value-add opportunities for investors in Laguna Niguel.
Our fix & flip loans feature:
Up to 70% LTV (higher if ARV-based)
Flexible draw schedules
No appraisal in most cases
Fast closings in as few as 7 days
Beat competing offers and close confidently with our tailored investor funding.
Cash-Out Refinance Loans With a laguna hills Hard Money Lender: how it works
Tap into the equity of your Laguna Niguel property without the hassle of traditional underwriting.
Perfect for:
Accessing working capital
Paying off partners or balloon loans
Funding other projects
Renovation or expansion
We provide cash-out refinances for both residential and commercial properties—even in LLCs or trusts.
The Bottom Line
SDC Capital is a local California lender that understands the nuances of the Laguna Niguel market. Borrowers trust us because we offer:
Common-sense underwriting
Direct access to decision-makers
Speed, flexibility, and certainty
No appraisals (in most cases)
Competitive rates without junk fees
From Dana Hills to Beacon Hill, we’ve helped investors move fast and close with confidence.
What is a Hard Money Loan In LAGUNA NIGUEL?
A hard money loan is a short-term real estate loan secured primarily by the value of the property—not your income or credit. These loans are ideal for:
Real estate investors
Business owners
Self-employed borrowers
Those needing fast or alternative financing
When time and flexibility matter, hard money is the solution.
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: