Hard Money Lender | Santa Clarita, 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 CLARITA, CA Hard Money Lenders
Santa Clarita, one of Los Angeles County’s fastest-growing cities, offers the perfect blend of suburban comfort, scenic surroundings, and strong real estate appreciation. With its expanding residential communities, commercial hubs, and proximity to major freeways, Santa Clarita has become a favorite among investors seeking both long-term stability and quick-turn opportunities.
When traditional banks delay approvals with strict underwriting and credit-based decisions, a local hard money lender like SDC Capital provides the speed, flexibility, and certainty needed to act quickly in this competitive market.
We fund loans based on property equity, not your income documents so you can close fast and move confidently on your next deal in Santa Clarita.
What’s The Difference Between Private Money Lenders And Traditional Banks In SANTA CLARITA?
Traditional banks typically require:
Full documentation (tax returns, W-2s, pay stubs)
Excellent credit and low DTI ratios
Lengthy appraisal and underwriting timelines
Limited flexibility for investment or unique property types
In Santa Clarita, where desirable homes and investment properties often move in days, waiting 30–60 days for bank approval can cause you to lose valuable opportunities.
A hard money lender like SDC Capital offers an alternative path with:
Equity-based approvals (we focus on the asset, not your credit)
Closings in as little as 7 days
Flexible ownership options (LLCs, trusts, partnerships)
No appraisal required in most cases
Creative financing solutions for properties banks won’t fund
Are Hard Money Loans Good For Residential Properties In SANTA CLARITA?
Yes. Santa Clarita’s residential real estate market remains one of the strongest in Los Angeles County, with neighborhoods like Valencia, Saugus, and Canyon Country seeing consistent demand from both families and investors.
We fund:
Purchases of single-family, multifamily, and investment homes
Bridge loans for 1031 exchanges or sale-to-purchase transitions
Trust, estate, or LLC-held properties
Fix & flip and renovation projects
With a median home price near $800,000 and low inventory levels, hard money financing helps borrowers close quickly and stay competitive in this tight market.
Are Hard Money Loans Good For Commercial Properties In SANTA CLARITA?
Absolutely. Santa Clarita’s growing economy and strong business base have fueled demand for commercial spaces, office buildings, and mixed-use developments throughout the city.
We fund:
Office and medical buildings
Retail centers and commercial condos
Mixed-use and redevelopment projects
Transitional or vacant commercial properties
When traditional lenders hesitate due to unconventional structures, nonconforming tenants, or short-term leases, SDC Capital steps in with flexible, asset-based solutions tailored to your goals.
are Hard Money Loans Good For Fix & Flip Property in santa CLARITA?
Yes. Santa Clarita’s strong buyer demand and family-friendly neighborhoods make it an excellent area for fix & flip projects.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and funding within days
Streamlined draw process for renovation funds
No appraisal required (in most cases)
From classic suburban remodels to modern value-add projects, SDC Capital helps investors fund and finish their projects quickly—so they can sell fast and maximize returns.
Cash-Out Refinance Loans With a SANTA CLARITA Hard Money Lender: how it works
If you own property in Santa Clarita with significant equity, a hard money cash-out refinance allows you to tap into that equity quickly—without the slow process of a traditional refinance.
Use your equity for:
Home remodels or ADU construction
Paying off maturing debt or balloon loans
Estate or partnership buyouts
Acquiring new investment properties
We lend to individuals, LLCs, and trusts, offering flexibility for both personal and investment use cases.
The Bottom Line
At SDC Capital, we’re more than lenders—we’re partners who understand the Santa Clarita market and the fast-paced needs of California real estate investors.
Borrowers choose us for:
Funding in 7–10 days
Direct communication with decision-makers
Competitive rates with transparent terms
Flexible loan structures to fit your scenario
From Santa Clarita to Valencia, Stevenson Ranch, and Castaic, we provide the reliable private financing that investors count on when banks can’t deliver.
What is a Hard Money Loan In SANTA CLARITA?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not your credit history or income.
These loans are ideal for:
Real estate investors and flippers
Homeowners needing bridge financing
Business owners seeking quick capital
Borrowers with time-sensitive or nontraditional deals
When speed and flexibility matter most, SDC Capital, your Santa Clarita hard money lender, helps you close fast and move forward with confidence.
Hard Money Lenders in SANTA CLARITA
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: