Hard Money Lender | San Clemente, 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 Clemente, CA Hard Money Lenders
San Clemente is a vibrant coastal city in South Orange County, famous for its Spanish Colonial-style architecture, surf culture, and strong residential and vacation rental markets.
With its mix of beachfront properties, second homes, and investment opportunities, borrowers here often face time-sensitive or non-traditional financing needs. That’s where a local hard money lender like SDC Capital comes in.
Whether you’re purchasing, refinancing, or repositioning property, we provide fast, flexible private loans backed by real estate equity—not bank red tape.
What’s The Difference Between Private Money Lenders And Traditional Banks In San Clemente?
Traditional lenders often require lengthy documentation, income verification, and slow approvals—none of which work well when you need to act quickly in a competitive coastal market.
A hard money lender focuses on:
The value of the property (not your tax returns)
Flexible structures for trusts, LLCs, or inherited assets
Speed. Get funding in as fast as 7 days!
No appraisals in most cases
Loans that banks won’t or can’t fund
If your deal is unique, time-sensitive, or non-conforming, a hard money loan is likely your best option.
Are Hard Money Loans Good For Residential Properties In san clemente?
San Clemente is primarily residential, offering everything from luxury oceanfront homes in neighborhoods like Cotton Point Estates to more affordable condos inland. Vacation rental properties also make up a growing portion of the market.
We fund:
Purchases of single-family and condo units
Bridge loans while awaiting sale or inheritance distribution
Estate and trust-owned property loans
Fix & flip or value-add investments
Our loans help investors, heirs, and buyers move quickly in a competitive market.
Are Hard Money Loans Good For Commercial Properties In San Clemente?
San Clemente has a mix of retail, office, and hospitality properties, particularly along El Camino Real and near the pier. While traditional lenders may hesitate on transitional or unique deals, we fund:
Retail, office, and mixed-use properties
Owner-user or investor-held assets
Hotels, motels, and vacation rental conversions
Transitional or vacant properties
We’re the hard money lender that can close when banks stall.
are Hard Money Loans Good For Fix & Flip Property in San Clemente?
Whether you’re upgrading a Spanish Revival fixer near downtown or modernizing a condo for short-term rental use, SDC Capital offers fix & flip loans designed for speed and simplicity:
Up to 70% of the purchase price
No appraisal required (in most cases)
Fast draw process for renovations
Same-day approvals
We understand investors’ timelines—and we move quickly to fund.
Cash-Out Refinance Loans With a San Clemente Hard Money Lender: how it works
Access your equity without the delays of a traditional lender. Our hard money cash-out refinance loans are ideal for:
Renovating or expanding properties
Paying off maturing loans
Settling estates or buyouts
Raising capital for other investments
We work with individuals, trusts, and LLCs—even when income or credit doesn’t meet bank guidelines.
The Bottom Line
SDC Capital is a California-based hard money lender with deep knowledge of the Orange County real estate market. Borrowers trust us because we deliver:
Speed and certainty—no corporate delays
Common-sense underwriting
Direct access to decision-makers
Competitive pricing without hidden fees
Flexible structures for non-traditional borrowers
From San Clemente to nearby cities like Dana Point, San Juan Capistrano, and Laguna Beach, we fund real estate when others won’t.
What is a Hard Money Loan In San Clemente?
A hard money loan is a short-term real estate loan based on the equity in the property, not your income, job history, 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 San Clemente
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: