Hard Money Lender | Santa Monica, 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 MONICA, CA Hard Money Lenders
Santa Monica, one of California’s most desirable coastal cities, is known for its upscale homes, thriving commercial districts, and iconic oceanfront lifestyle. With strong property values, limited inventory, and consistent demand from investors and homeowners alike, competition in Santa Monica’s real estate market is fierce.
When traditional banks delay closings with red tape and strict underwriting, a local hard money lender like SDC Capital provides the speed, flexibility, and reliability investors need to secure prime opportunities before they’re gone.
We fund loans based on property equity, not your tax returns, so you can close quickly in Santa Monica’s fast-moving market.
What’s The Difference Between Private Money Lenders And Traditional Banks In SANTA MONICA?
Traditional lenders often require:
Full income documentation (W-2s, tax returns, pay stubs)
Excellent credit and low debt-to-income ratios
Lengthy appraisals and underwriting timelines
Limited flexibility for investment or mixed-use properties
In Santa Monica—where coastal properties and investment opportunities can sell within days—waiting 30 to 60 days for a bank loan can easily cost you the deal.
A hard money lender like SDC Capital offers a smarter alternative with:
Equity-based approvals (we lend on the asset, not your credit)
Fast closings in as little as 7 days
Flexible ownership structures (LLCs, trusts, partnerships)
No appraisal required in most cases
Creative financing for properties banks can’t or won’t fund
Are Hard Money Loans Good For Residential Properties In SANTA MONICA?
Yes. Santa Monica’s housing market—featuring everything from luxury ocean-view homes and modern condos to income-producing multifamily properties—makes it an ideal area for hard money financing.
We fund:
Purchases of single-family and multifamily homes
Bridge loans for 1031 exchanges and sale-to-purchase transitions
Estate, trust, or LLC-held properties
Fix & flip or value-add renovation projects
With median home prices around $1.6 million and ongoing buyer competition, investors and homeowners benefit from the speed and certainty of a hard money loan.
Are Hard Money Loans Good For Commercial Properties In SANTA MONICA?
Absolutely! Santa Monica is home to a vibrant mix of office spaces, boutique retail, and mixed-use developments—especially near Third Street Promenade and Ocean Avenue.
We fund:
Office and medical buildings
Retail and commercial condominiums
Mixed-use and redevelopment projects
Transitional or vacant commercial properties
When banks hesitate due to non-traditional tenants, short-term leases, or high vacancy, SDC Capital steps in with customized, asset-based solutions to keep your project moving.
are Hard Money Loans Good For Fix & Flip Property in santa monica?
Yes. Santa Monica’s high resale potential and limited supply make it a top market for renovation and resale projects.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and closings
Streamlined draw process for renovation funds
No appraisal required (in most cases)
From classic coastal bungalows to modern rebuilds, our loans help investors execute profitable flips in one of LA’s most lucrative neighborhoods.
Cash-Out Refinance Loans With a SANTA MONICA Hard Money Lender: how it works
If you own property in Santa Monica with significant equity, a hard money cash-out refinance lets you access that capital quickly—without the delays of a conventional refinance.
Use your equity for:
Home remodels or ADU construction
Paying off maturing debt or balloon loans
Estate or partner buyouts
Funding a new investment purchase
We lend to individuals, LLCs, and trusts, allowing for flexible terms tailored to your financial goals.
The Bottom Line
At SDC Capital, we’re not just lenders—we’re partners who understand Santa Monica’s unique coastal market and California investors’ needs.
Borrowers choose us for:
Funding in 7–10 days
Direct access to decision-makers
Competitive rates with clear terms
Flexible deal structures for unique scenarios
From Santa Monica to Pacific Palisades, Venice, and Brentwood, SDC Capital provides the fast, reliable lending solutions investors trust when banks can’t deliver.
What is a Hard Money Loan In SANTA MONICA?
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 fast capital
Borrowers with time-sensitive or unconventional deals
When banks can’t move fast enough, SDC Capital, your Santa Monica hard money lender, helps you close with confidence and keep your investments moving forward.
Hard Money Lenders in santa monica
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: