Hard Money Lender | Pasadena, 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.
PASADENA, CA Hard Money Lenders
Pasadena, known for its historic architecture, cultural landmarks, and strong housing market, sits at the foothills of the San Gabriel Mountains and remains one of Los Angeles County’s most desirable cities.
With neighborhoods ranging from charming Craftsman homes in Bungalow Heaven to luxury estates in Linda Vista, Pasadena offers opportunities for both homeowners and seasoned investors.
When traditional banks delay closings or tighten lending standards, a local hard money lender like SDC Capital provides the speed, flexibility, and certainty investors need to seize opportunities in Pasadena’s competitive real estate market.
We lend based on property equity, not borrower credit or income, so you can move fast when timing matters most.
What’s The Difference Between Private Money Lenders And Traditional Banks In PASADENA?
Traditional banks often require:
Full documentation (W-2s, tax returns, income verification)
High credit scores and low DTI ratios
Lengthy underwriting and appraisal timelines
Inflexible deal structures that exclude LLCs, trusts, or estates
In Pasadena, where homes sell quickly and multiple offers are common, waiting 30–60 days for a bank loan can mean losing the deal.
A hard money lender like SDC Capital focuses on:
The property’s value and equity, not your credit score
Flexible ownership structures (LLCs, trusts, estates)
Closings in as little as 7 days
No appraisal required in most cases
Loans that banks won’t—or can’t—fund
When opportunity strikes, private lending helps you act with speed and confidence.
Are Hard Money Loans Good For Residential Properties In PASADENA?
Yes. Pasadena’s residential market is diverse, with strong demand across historic districts, hillside view homes, and modern luxury developments. Whether you’re buying, refinancing, or renovating, hard money financing helps you compete effectively.
We fund:
Purchases of single-family, multi-unit, or high-end homes
Bridge loans for 1031 exchanges or sale-to-purchase transitions
Estate, trust, or LLC-held properties
Fix & flip and value-add projects
Market Snapshot:
The current average home value in Pasadena, CA is $1.1 million, according to Zillow.
Pasadena’s strong appreciation and limited inventory make fast, equity-based financing a powerful tool for investors and homeowners alike.
Are Hard Money Loans Good For Commercial Properties In PASADENA?
Absolutely. Pasadena’s economy is fueled by education, healthcare, retail, and professional services—creating consistent demand for commercial real estate.
We fund:
Office and medical buildings near Huntington Memorial and Caltech
Retail centers and commercial condos along Colorado Boulevard
Mixed-use and redevelopment projects
Transitional or vacant commercial assets
When banks hesitate due to tenant mix, short lease terms, or unconventional ownership, SDC Capital delivers creative, asset-based financing solutions to keep deals on track.
are Hard Money Loans Good For Fix & Flip Property in PASADENA?
Yes—and Pasadena’s high resale values make it one of the best markets in Southern California for flippers and small-scale developers.
Our fix & flip loans include:
Up to 70% of the purchase price (or ARV-based options)
Rapid approvals and funding within days
Streamlined draw process for renovation funds
No appraisal required in most cases
From Craftsman restorations in Bungalow Heaven to modern upgrades in Madison Heights, we help investors renovate and resell with confidence.
Cash-Out Refinance Loans With a PASADENA Hard Money Lender: how it works
If you own property in Pasadena with significant equity, a cash-out refinance can free up capital quickly—without the red tape of a traditional refinance.
Use your equity for:
Property renovations or ADU construction
Paying off maturing debt or balloon loans
Estate, trust, or partner buyouts
New real estate investments
We lend to individuals, LLCs, and trusts, ensuring flexibility across various borrower profiles and investment goals.
The Bottom Line
At SDC Capital, we’re more than a lender—we’re a trusted financing partner to Pasadena’s real estate investors and homeowners. Our local expertise and direct lending approach allow us to provide fast, transparent, and flexible solutions when banks can’t deliver.
We offer:
Funding in as few as 7–10 days
Direct access to decision-makers
Competitive rates with no hidden fees
Flexible deal structures to meet your goals
From Pasadena to nearby Altadena, San Marino, and South Pasadena, SDC Capital provides the capital investors rely on to close with confidence.
What is a Hard Money Loan In PASADENA?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income, credit, or employment documentation. These loans are ideal for:
Real estate investors and flippers
Homeowners needing bridge financing
Business owners or trust managers
Borrowers seeking fast, alternative funding
When banks say no—or can’t move fast enough—SDC Capital, your Pasadena hard money lender, helps you close quickly and efficiently.
Hard Money Lenders in PASADENA
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: