Hard Money Lender | San Bernardino, 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.
SAN BERNARDINO, CA Hard Money Lenders
San Bernardino, located in the heart of the Inland Empire, has become one of Southern California’s most active and affordable real estate markets. With its steady population growth, strong rental demand, and expanding commercial corridors, the region attracts both new and experienced investors looking for high potential returns outside of Los Angeles and Orange County.
When traditional banks delay or deny financing due to strict credit or documentation 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 income statements, so you can act fast in San Bernardino’s competitive and growing market.
What’s The Difference Between Private Money Lenders And Traditional Banks In SAN BERNARDINO?
Traditional banks often require:
W-2s, tax returns, and full documentation
High credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal processes
Rigid lending criteria that exclude nontraditional borrowers
In San Bernardino’s fast-paced market—where well-priced properties move quickly—waiting 30 to 60 days for bank approval can mean missing the deal.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not income or credit score
Flexible ownership structures (LLCs, trusts, partnerships)
Closings in as little as 7 days
No appraisal required in most cases
Creative funding for complex or time-sensitive scenarios
When banks slow you down, private money lending gives you the speed and certainty to move forward.
Are Hard Money Loans Good For Residential Properties In SAN BERNARDINO?
Yes. San Bernardino’s residential market continues to grow, offering affordability and strong cash flow potential for both investors and homeowners. The county’s mix of single-family homes, new construction, and multi-unit properties makes it ideal for fix & flip or long-term investment strategies.
We fund:
Purchases of single-family, multifamily, or rental properties
Bridge loans for 1031 exchanges or buy-before-sell scenarios
Trust, estate, or LLC-held assets
Fix & flip or value-add projects
Market stats:
The median home price in San Bernardino County is approximately $484,000.
In this high-value, fast-moving market, hard money financing allows investors and borrowers to compete—and close—with confidence
Are Hard Money Loans Good For Commercial Properties In SAN BERNARDINO?
Absolutely. San Bernardino’s commercial sector is one of the fastest-growing in California, supported by logistics, warehousing, and industrial expansion along the I-10 and I-15 corridors. The area’s accessibility and business-friendly environment continue to attract both regional and national investors.
We fund:
Industrial and warehouse properties
Office, retail, and mixed-use buildings
Transitional or vacant commercial assets
Owner-user or investor-held properties
When traditional lenders hesitate due to property condition, tenant mix, or unconventional ownership, SDC Capital provides asset-based financing solutions that help you close quickly and confidently.
are Hard Money Loans Good For Fix & Flip Property in SAN BERNARDINO?
Yes—and the San Bernardino market offers some of the best fix & flip opportunities in Southern California. Many older homes and underutilized properties in areas like Rialto, Colton, and Highland can be renovated to achieve excellent returns.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and funding in days
Streamlined draw process for renovation funds
No appraisal required in most cases
Whether you’re revitalizing single-family homes in Fontana or upgrading multifamily units in San Bernardino city, SDC Capital helps investors move fast and finish profitably.
Cash-Out Refinance Loans With a SAN BERNARDINO Hard Money Lender: how it works
If you own property in San Bernardino with significant equity, a hard money cash-out refinance allows you to tap into that equity—without the red tape of a conventional refinance.
Use your 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 structures tailored to your goals and timeline.
The Bottom Line
At SDC Capital, we’re more than just lenders—we’re partners in helping Southern California real estate investors succeed. Our experience in the Inland Empire market and practical, asset-based approach help San Bernardino borrowers close deals that others 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 deals
From San Bernardino to Fontana, Ontario, Rancho Cucamonga, and Redlands, SDC Capital delivers the reliable hard money lending solutions investors trust when banks fall short.
What is a Hard Money Loan In SAN BERNARDINO?
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 seeking bridge financing
Borrowers with nontraditional or urgent financing needs
When traditional lenders can’t move fast enough, SDC Capital, your trusted San Bernardino hard money lender, helps you close quickly, confidently, and competitively.
Hard Money Lenders in SAN BERNARDINO
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: