Hard Money Lender | Pacific Palisades, 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.
PACIFIC PALISADES, CA Hard Money Lenders
Pacific Palisades is one of Los Angeles’ most exclusive coastal neighborhoods—nestled between Malibu and Santa Monica and known for its luxury estates, ocean-view properties, and tight-knit community. With limited inventory and some of the highest price-per-square-foot values in Southern California, competition is fierce for both residential and investment opportunities.
When traditional banks slow the process with rigid guidelines, a local hard money lender like SDC Capital provides the flexibility and speed needed to compete. We fund loans based on property equity, not endless paperwork—allowing investors, homeowners, and developers to close quickly in Pacific Palisades’ fast-paced real estate market.
What’s The Difference Between Private Money Lenders And Traditional Banks In PAcific Palisades?
Traditional banks often require:
Full income verification (W-2s, tax returns, pay stubs)
Excellent credit and low debt ratios
Lengthy underwriting and appraisals
Strict debt-service coverage (DSCR) and conforming loan standards
That process often takes 30 to 60 days or longer—far too slow in a market where prime listings are sold within days.
A hard money lender focuses on:
The property’s value—not your income or credit
Flexible borrower entities (LLCs, trusts, estates)
Closings in as few as 7 days
Skipping appraisals in many cases
Funding unique or time-sensitive deals banks won’t touch
When timing and certainty matter, private lending bridges the gap between opportunity and execution.
Are Hard Money Loans Good For Residential Properties In Pacific Palisades?
Yes. Pacific Palisades’ residential market is dominated by high-value, luxury homes and ocean-view properties where fast, strategic financing makes all the difference.
We fund:
Purchases of single-family and multi-million-dollar luxury homes
Bridge loans between property sales or for 1031 exchanges
Estate, trust, or LLC-held real estate
Fix & flip or value-add renovation projects
Did you know? The median home sale price in Pacific Palisades is ~$3.2 million, according to Zillow.
In a market defined by high values and tight inventory, speed and capital access are key advantages—and that’s exactly what we provide.
Are Hard Money Loans Good For Commercial Properties In Pacific Palisades?
Yes. Though primarily residential, the area supports boutique commercial and mixed-use properties along Sunset Boulevard and key arterial streets.
We fund:
Retail storefronts and small commercial buildings
Office or medical-use conversions
Mixed-use developments and redevelopment projects
Underperforming or vacant commercial assets
When banks hesitate, SDC Capital steps in to structure deals tailored to your property and goals.
are Hard Money Loans Good For Fix & Flip Property in Pacific palisades?
Absolutely! Pacific Palisades’ older mid-century and coastal homes present strong opportunities for renovation and resale when financed efficiently.
Our fix & flip loans include:
Up to 70% of purchase price or ARV-based funding
Fast approvals and funding within days
Simple draw schedules for construction
No appraisals required in most Los Angeles County loans
In high-value markets like Pacific Palisades, certainty and speed separate successful investors from the rest.
Cash-Out Refinance Loans With a Pacific Palisades Hard Money Lender: how it works
If you have equity in your Pacific Palisades property, a hard money cash-out refinance allows you to unlock capital quickly—without the delays and scrutiny of traditional lenders.
Use your equity for:
Renovations or luxury upgrades
Paying off balloon or maturing loans
Partner buyouts or estate distributions
New investment acquisitions
We work directly with trusts, estates, LLCs, and individuals, even when conventional qualifications don’t apply.
The Bottom Line
At SDC Capital, we’re more than just lenders—we’re your strategic financing partners. In Pacific Palisades, borrowers choose us for our track record of quick closings, flexible deal structures, and transparent service.
We offer:
Closings in as few as 7–10 days
Direct access to decision-makers (no brokers or middlemen)
Competitive private lending rates
Creative funding solutions for unique property types
From Pacific Palisades to neighboring Santa Monica, Brentwood, Malibu, and Beverly Hills, we fund the deals that traditional lenders can’t—or won’t.
What is a Hard Money Loan In Pacific Palisades?
A hard money loan is a short-term, asset-based loan secured primarily by real estate equity rather than borrower income or credit history. These loans are ideal for:
Real estate investors and house flippers
Homeowners needing short-term bridge financing
Trusts, estates, and LLC-owned properties
Borrowers who need to move fast in a high-stakes market
When banks say no—or can’t deliver fast enough—SDC Capital, your Pacific Palisades hard money lender, says yes.
Hard Money Lenders in Pacific Palisades
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: