Hard Money Lender | Placentia, 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.
placentia, CA Hard Money Lenders
Placentia is a desirable suburban community in northern Orange County, known for its family-friendly neighborhoods, strong schools, and central location near Yorba Linda, Fullerton, and Anaheim. With steady residential demand and pockets of commercial growth, investors often face competition and tight timelines when trying to secure property here.
When banks slow you down with paperwork and delays, a local hard money lender like SDC Capital can help. We provide private loans backed by real estate equity, not your tax returns—making funding fast, flexible, and reliable.
What’s The Difference Between Private Money Lenders And Traditional Banks In PLACENTIA?
Traditional banks focus on tax returns, credit scores, and lengthy underwriting timelines. For investors in Placentia, where deals often move quickly and ownership may involve trusts or LLCs, this approach just doesn’t work.
A hard money lender focuses on:
The value of the property—not your income history
Flexible loan structures for LLCs, trusts, and non-owner-occupied assets
Speed—funding in as few as 7 days
No appraisals in most cases
Loans that banks won’t or can’t fund
In Placentia’s active market, where timing is everything, a hard money loan gives you the competitive advantage you need.
Are Hard Money Loans Good For Residential Properties In placentia?
Yes! Placentia is primarily residential. The area offers everything from single-family homes in quiet neighborhoods to multi-unit rentals near Cal State Fullerton and surrounding communities. These properties often require fast-moving financing.
We fund:
Purchases of single-family homes, condos, and multi-units
Bridge loans for buyers awaiting sale proceeds or 1031 exchanges
Estate, trust, and LLC-held properties
Renovation or value-add projects
As an experienced hard money lender, we help Placentia borrowers move quickly and close with confidence.
Are Hard Money Loans Good For Commercial Properties In placentia?
Absolutely. While Placentia is known as a suburban city, it also offers pockets of commercial investment opportunities—from retail plazas to office and mixed-use properties along Yorba Linda Blvd and Kraemer Blvd.
We fund:
Retail, office, and mixed-use properties
Owner-user and investor-held buildings
Light industrial or warehouse properties in nearby business corridors
Vacant or transitional assets that banks won’t finance
When banks hesitate, SDC Capital funds with speed and certainty.
are Hard Money Loans Good For Fix & Flip Property in placentia?
We fund:
Retail, office, and mixed-use properties
Owner-user and investor-held buildings
Light industrial or warehouse properties in nearby business corridors
Vacant or transitional assets that banks won’t finance
When banks hesitate, SDC Capital funds with speed and certainty.
Are Hard Money Loans Good For Fix & Flip Property In PLACENTIA?
Yes, and SDC Capital specializes in providing hard money loans. With older housing stock and demand for updated homes, Placentia is an excellent market for fix & flip investors.
Our fix & flip loans are designed to support investors with:
Up to 70% of the purchase price
No appraisal required (in most cases)
Fast draw process for renovations
Same-day approvals
In a competitive area like Placentia, speed and flexibility are everything—and we provide both.
Cash-Out Refinance Loans With a placentia Hard Money Lender: how it works
Tap into your property’s equity without the delays of a traditional lender. A cash-out refinance with a hard money lender is ideal for:
Settling estates or buyouts
Renovating or expanding properties
Paying off maturing or balloon loans
Raising capital for new investments
We work with individuals, trusts, and LLCs even when traditional banks won’t.
The Bottom Line
We’re a California-based hard money lender with extensive knowledge of the Orange County market, including Placentia and its surrounding cities. Borrowers trust us because we provide:
Speed and certainty—no corporate delays
Common-sense underwriting
Direct access to decision-makers
Competitive pricing with no hidden fees
Flexible structures for non-traditional borrowers
From Placentia to nearby cities like Yorba Linda, Fullerton, and Anaheim—we fund real estate when others won’t.
What is a Hard Money Loan In placentia?
A hard money loan is a short-term real estate loan based on the property’s equity, not your tax returns, W-2s, 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: