Hard Money Lender | Malibu, 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.
MALIBU, CA Hard Money Lenders
Malibu, one of California’s most iconic coastal cities, blends luxury oceanfront living with a small-town, scenic atmosphere. Known for its exclusive estates, celebrity-owned properties, and world-famous coastline, Malibu’s real estate market is competitive and high-value—making timing and financing critical for investors and homeowners alike.
When traditional banks stall with slow underwriting or rigid approval criteria, a local hard money lender like SDC Capital provides the speed, flexibility, and certainty needed to secure opportunities in Malibu’s exclusive real estate market.
We lend based on real estate equity—not income or credit—so you can close fast, whether you’re buying, refinancing, or expanding your property portfolio.
What’s The Difference Between Private Money Lenders And Traditional Banks In MALIBU?
Traditional banks typically require:
Full income documentation (W-2s, tax returns, pay stubs)
Excellent credit and low debt-to-income ratios
Formal appraisals and drawn-out underwriting
Rigid loan programs that exclude unique ownership setups
In Malibu, where premium properties move quickly and multiple-offer situations are common, waiting 30–60 days for a bank loan can mean missing out.
A hard money lender like SDC Capital focuses on:
Property value and equity, not your credit score
Flexible ownership structures (trusts, LLCs, and estates)
Closings in as few as 7 days
No appraisal required in most cases
Funding non-traditional deals banks can’t—or won’t—approve
Private lending gives Malibu investors and owners the confidence to act fast in a market where speed is everything.
Are Hard Money Loans Good For Residential Properties In MALIBU?
Yes. Malibu’s residential market includes oceanfront estates, hillside villas, and mid-century architectural homes—all of which attract high-net-worth buyers and investors. Many deals require alternative financing to move quickly or accommodate complex ownership.
We fund:
Purchases of single-family homes, luxury estates, and investment properties
Bridge loans for 1031 exchanges or sale-to-purchase transitions
Estate, trust, or LLC-held assets
Fix & flip and value-add renovations
Market Snapshot:
The current average home value in Malibu, CA is $3.2 million, according to Zillow.
In Malibu’s high-value market, fast and flexible hard money financing helps borrowers close deals before opportunities vanish.
Are Hard Money Loans Good For Commercial Properties In PASADENA?
Absolutely. Malibu’s commercial real estate is anchored by boutique retail, restaurants, offices, and mixed-use properties along Pacific Coast Highway and Malibu Country Mart. Investors frequently require quick, short-term capital to seize or reposition these assets.
We fund:
Retail and restaurant properties
Office buildings and professional spaces
Mixed-use and redevelopment projects
Transitional or vacant commercial assets
When banks hesitate due to non-stabilized income or tenant variability, SDC Capital steps in with common-sense, equity-based lending solutions.
are Hard Money Loans Good For Fix & Flip Property in MALIBU?
Yes, and Malibu’s luxury housing stock provides prime opportunities for investors who specialize in value-add renovations or design-forward rebuilds.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and closings
Streamlined renovation draw process
No appraisal required (in most cases)
From modernizing oceanfront bungalows to restoring hillside estates, we give flippers and developers the leverage they need to execute efficiently.
Cash-Out Refinance Loans With a MALIBU Hard Money Lender: how it works
If you own a Malibu property with significant equity, a cash-out refinance through SDC Capital lets you unlock liquidity fast—without waiting through conventional loan delays.
Use your equity for:
Property renovations or new construction
Paying off balloon loans or maturing debt
Estate or partner buyouts
Acquiring new investment opportunities
We lend to individuals, trusts, and LLCs, providing flexible, asset-based options tailored to high-value borrowers and properties.
The Bottom Line
At SDC Capital, we’re not just lenders—we’re partners who understand California’s most competitive real estate markets. Borrowers trust us because we combine speed, flexibility, and local expertise to help them succeed in Malibu’s luxury market.
We offer:
Funding in as little as 7–10 days
Direct access to decision-makers
Competitive, transparent terms
Flexible structures for complex or non-traditional borrowers
From Malibu to nearby Pacific Palisades, Calabasas, and Santa Monica, SDC Capital provides the private lending solutions investors rely on when banks can’t deliver.
What is a Hard Money Loan In MALIBU?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit. These loans are ideal for:
Real estate investors and flippers
High-net-worth borrowers or trust managers
Business owners and estate trustees
Borrowers needing fast, flexible financing
When traditional lenders say no—or can’t move quickly—SDC Capital, your Malibu hard money lender, says yes.
Hard Money Lenders in MALIBU
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: