Hard Money Lender | Santa Ana, 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.
Santa Ana, CA Hard Money Lenders
Santa Ana is the county seat of Orange County and one of Southern California’s most dynamic real estate markets. With its historic downtown, cultural hubs, government offices, and a growing mix of residential and commercial properties, Santa Ana attracts investors, developers, and business owners alike.
Traditional lenders often take too long or reject unique financing scenarios—but that’s where a local hard money lender like SDC Capital makes all the difference.
We provide fast, flexible, private loans backed by real estate equity, not endless paperwork.
What’s The Difference Between Private Money Lenders And Traditional Banks In Santa Ana?
Banks and credit unions typically rely on strict underwriting standards, tax returns, and lengthy approval processes. In a competitive city like Santa Ana, waiting 45–60 days for financing can mean losing the deal.
A hard money lender focuses on:
The property’s equity, not your W-2 or credit history
Flexible loan structures for LLCs, trusts, and estates
Speed—funding in as fast as 7 days
No appraisal required in most cases
Financing that banks can’t or won’t approve
If you need certainty and speed, private money lending is often the best option.
Are Hard Money Loans Good For Residential Properties In santa Ana?
Yes. Santa Ana offers everything from early 20th-century craftsman homes and bungalows to multi-family properties and newer developments. Many transactions here require fast closings or involve complex ownership structures.
We fund:
Purchases of single-family and small multi-unit properties
Bridge loans while waiting for sale proceeds or 1031 exchanges
Estate, trust, or LLC-owned residential properties
Value-add renovations or investor strategies
Median home values in Santa Ana continue to rise, making speed and certainty critical for buyers and investors.
Are Hard Money Loans Good For Commercial Properties In Santa Ana?
Absolutely. Santa Ana is home to a vibrant commercial real estate sector, including offices, industrial facilities, retail centers, and adaptive reuse projects in and around the downtown district.
We fund:
Office and medical buildings
Retail plazas and mixed-use properties
Light industrial and warehouse facilities
Transitional or vacant commercial assets
When banks hesitate, we provide the funding needed to move forward.
are Hard Money Loans Good For Fix & Flip Property in Santa Ana?
Yes. Santa Ana’s older housing stock makes it a prime fix & flip market. From historic homes near downtown to mid-century properties in residential neighborhoods, opportunities for value-add are abundant.
Our fix & flip loans offer:
Up to 70% of the purchase price
No appraisal required (in most cases)
Fast draw process for renovations
Same-day approvals
Investors can compete with confidence in Santa Ana’s competitive real estate market.
Cash-Out Refinance Loans With a Santa Ana Hard Money Lender: how it works
Tap into your property’s equity without delays. Cash-out refinance loans are ideal for:
Renovating or expanding properties
Paying off maturing debt
Settling estate or partnership buyouts
Raising capital for future investments
We work with individuals, trusts, and LLCs even when banks won’t.
The Bottom Line
SDC Capital is a California-based hard money lender with extensive experience in Orange County. Borrowers choose us because we provide:
Speed and certainty. Get funding in days, not months!
Direct access to decision-makers
Competitive rates without hidden fees
Flexible underwriting for non-traditional borrowers
From Santa Ana to nearby cities like Orange, Garden Grove, and Tustin, we fund real estate projects when others can’t.
What is a Hard Money Loan In Santa Ana?
A hard money loan is a short-term, asset-based loan secured by real estate equity. Unlike banks, we focus on the property itself, not your credit or job history. These loans are ideal for:
Real estate investors and flippers
Business owners and entrepreneurs
Estate and trust managers
Borrowers needing quick or alternative financing
When banks say no, SDC Capital says yes fast.
Hard Money Lenders in Santa Ana
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: