Hard Money Lender | Newport Beach, 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.
newport beach, CA Hard Money Lenders
Newport Beach is one of California’s most prestigious coastal cities, known for its waterfront homes, Balboa Peninsula, luxury condos, and vibrant commercial districts. With some of the most valuable real estate in Orange County, competition is fierce and timing is everything.
Whether you're buying, refinancing, or repositioning a property, traditional lenders often fall short, especially when deadlines are tight or ownership is complex. That’s where a local hard money lender like SDC Capital steps in.
We offer private loans backed by real estate equity, not endless paperwork. Fast, flexible, and reliable.
What’s The Difference Between Private Money Lenders And Traditional Banks In newport beach?
Traditional lenders focus on tax returns, credit scores, and slow underwriting. That doesn’t work when you’re competing for a waterfront property in Corona del Mar or need to move fast on a commercial opportunity along Pacific Coast Highway.
A hard money lender focuses on:
The value of the property, not your income history
Flexible loan structures for trusts, LLCs, or estate-owned assets
Speed (we provide funding in as few as 7 days!)
No appraisals in most cases
Loans that banks won’t or can’t fund
In Newport Beach, where properties can move in days, a hard money loan gives you the speed and certainty banks can’t match.
Are Hard Money Loans Good For Residential Properties In NEWPORT BEACH?
Yes. Newport Beach’s residential market ranges from multimillion-dollar oceanfront estates to upscale condos and investment rentals. These properties often require non-traditional lending solutions to close quickly.
We fund:
Purchases of luxury single-family homes and condos
Bridge loans for buyers waiting on sale proceeds or 1031 exchanges
Estate, trust, and LLC-held properties
Renovation or repositioning projects in high-value neighborhoods
As a seasoned hard money lender, we help Newport Beach investors and homeowners access capital quickly—without delays.
Are Hard Money Loans Good For Commercial Property In newport beach?
Absolutely. Newport Beach is home to thriving retail corridors, medical offices, Class A office buildings, and hospitality properties.
We fund:
Retail, office, and mixed-use assets near Fashion Island and along Coast Highway
Owner-user and investor-held buildings
Hospitality and medical office properties
Vacant or transitional commercial real estate
When banks hesitate, SDC Capital is the lender that steps in and funds with confidence.
are Hard Money Loans Good For Fix & Flip Property in newport beach?
Yes, and we understand the pace of the luxury renovation market. Whether you’re modernizing a coastal cottage or upgrading a Balboa Peninsula condo, our fix & flip loans keep your project moving.
Up to 70% of the purchase price
No appraisal required (in most cases)
Fast draw process for renovations
Same-day approvals
In Newport Beach, where investors race to deliver modernized, high-end product, speed is everything. We deliver both speed and flexibility.
Cash-Out Refinance Loans With a newport beach Hard Money Lender: how it works
Unlock equity in your property without bank delays. Our cash-out refinance loans are ideal for:
Funding estate buyouts or trust distributions
Renovating or expanding existing properties
Paying off maturing or balloon loans
Raising capital for new investments
We work with individuals, trusts, and LLCs—even on properties banks won’t touch.
The Bottom Line
We’re a California-based hard money lender with deep knowledge of Newport Beach and the broader Orange County market. Our borrowers trust us because we deliver:
Speed and certainty—no corporate delays
Common-sense underwriting
Direct access to decision-makers
Competitive pricing without hidden fees
Flexible loan structures for unique situations
From Balboa Island to Corona del Mar, and throughout surrounding cities like Costa Mesa, Huntington Beach, and Irvine—we fund real estate when others won’t.
What is a Hard Money Loan In newport beach?
A hard money loan is a short-term real estate loan based on the equity in the property, not your tax returns or credit score. These loans are ideal for:
Investors and flippers
Business owners
Retirees or trust managers
Borrowers needing fast or alternative financing
When banks say no, a hard money lender like SDC Capital says yes—fast!
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: