Hard Money Lender | Oakland, 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.
OAKLAND, CA Hard Money Lenders
Oakland, one of the Bay Area’s most vibrant and diverse cities, continues to offer strong opportunities for real estate investors and property owners. With its strategic location near San Francisco, expanding commercial hubs, and thriving rental market, Oakland remains a top choice for those seeking value, growth, and long-term returns.
When traditional banks delay or decline financing because of rigid income or credit requirements, a local hard money lender like SDC Capital provides the speed, flexibility, and reliability needed to close.
We fund loans based on real estate equity, not tax returns or W-2s, so you can move quickly in Oakland’s fast-moving market.
What’s The Difference Between Private Money Lenders And Traditional Banks In OAKLAND?
Traditional banks often require:
W-2s, tax returns, and extensive documentation
High credit scores and low debt-to-income ratios
Long underwriting and appraisal timelines
Rigid lending criteria that don’t fit investors or unique situations
In Oakland’s competitive real estate market—where opportunities can appear and disappear in days—waiting 30 to 60 days for bank approval can mean missing your deal.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not your income or credit
Flexible ownership structures (LLCs, trusts, partnerships)
Closings in as little as 7 days
No appraisal required in most cases
Creative solutions for time-sensitive or complex deals
When traditional lenders move too slowly, private money gives you the speed and confidence to close fast.
Are Hard Money Loans Good For Residential Properties In OAKLAND?
Yes. Oakland’s residential market remains one of the most active in Northern California, fueled by high demand, limited supply, and ongoing urban revitalization. Investors continue to find opportunities in single-family homes, multifamily properties, and value-add projects across neighborhoods like Temescal, Fruitvale, and East Oakland.
We fund:
Purchases of single-family, multifamily, or rental properties
Bridge loans for 1031 exchanges or buy-before-sell situations
Trust, estate, or LLC-held assets
Fix & flip and value-add projects
Market stats:
The median home price in Oakland is approximately $700,000.
In this competitive landscape, hard money financing helps investors and homeowners stay agile and close confidently.
Are Hard Money Loans Good For Commercial Properties In OAKLAND?
Absolutely! Oakland’s commercial market continues to expand, driven by new development, business relocations from San Francisco, and growing interest in industrial and mixed-use properties. Areas near Jack London Square, Uptown, and West Oakland are seeing continued investment and redevelopment.
We fund:
Office, retail, and mixed-use properties
Industrial and warehouse spaces
Transitional or vacant commercial real estate
Owner-user or investor-held properties
When banks hesitate due to property condition, tenant mix, or unconventional ownership, SDC Capital delivers flexible, asset-based financing that keeps your deal moving forward.
are Hard Money Loans Good For Fix & Flip Properties in OAKLANd?
Definitely. Oakland offers prime opportunities for fix & flip investors, especially in neighborhoods undergoing revitalization. Older homes with strong architectural character and growing buyer interest can generate significant returns after renovation.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and closings in days
Streamlined draw process for renovation funds
No appraisal required in most cases
Whether you’re renovating a craftsman in West Oakland or updating a duplex in Eastmont, SDC Capital helps you move fast and finish profitably.
Cash-Out Refinance Loans With an oakland Hard Money Lender: how it works
If you own property in Oakland with significant equity, a hard money cash-out refinance lets you access that equity quickly—without the long delays of a conventional refinance.
Use your cash-out proceeds for:
Renovations or ADU construction
Paying off maturing loans or high-interest debt
Partnership buyouts or estate settlements
Investing in additional real estate opportunities
We lend to individuals, LLCs, and trusts, offering flexible loan structures designed to match your goals and project timeline.
The Bottom Line
At SDC Capital, we’re more than lenders—we’re real estate partners who understand the Bay Area market. Our local expertise and practical underwriting approach help Oakland borrowers close deals that traditional lenders can’t.
Borrowers choose SDC Capital for:
Closings in as few as 7–10 days
Direct access to decision-makers
Transparent terms and competitive rates
Flexible loan structures for unique or complex scenarios
From Downtown Oakland to Berkeley, Alameda, Richmond, and San Leandro, SDC Capital delivers the reliable hard money lending solutions investors trust when banks fall short.
What is a Hard Money Loan In OAKLAND?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit score.
These loans are ideal for:
Real estate investors and fix & flippers
Business owners needing quick capital
Homeowners bridging between sales and purchases
Borrowers with time-sensitive or nontraditional financing needs
When traditional lenders can’t keep up, SDC Capital, your trusted Oakland hard money lender, helps you close quickly, confidently, and competitively.
Hard Money Lenders in OAKLAND
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: