Hard Money Lender | Seal Beach, 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.
Seal Beach, CA Hard Money Lenders
Seal Beach is a charming coastal community in northwest Orange County, known for its small-town feel, scenic shoreline, and strong demand for both residential and commercial properties. With limited inventory and proximity to job hubs in Long Beach and Los Angeles, Seal Beach remains a competitive market for investors, homeowners, and business owners.
When traditional banks move too slowly (or decline unique financing opportunities) a local hard money lender like SDC Capital provides the speed and flexibility needed to close.
We specialize in private loans backed by real estate equity, not endless red tape.
What’s The Difference Between Private Money Lenders And Traditional Banks In Seal Beach?
Traditional banks rely on tax returns, credit scores, and rigid guidelines, often taking 30–60 days to close. In Seal Beach’s competitive market, that timeline can cost you the deal.
A hard money lender focuses on:
Property value—not your W-2s or credit score
Flexible loan structures for LLCs, trusts, or estates
Speed—funding in as little as 7 days
No appraisal required in most cases
Deals banks won’t or can’t finance
Private money lending is built for speed and certainty—critical in markets like Seal Beach.
Are Hard Money Loans Good For Residential Properties In seal Beach?
Yes. Seal Beach has a mix of beachfront homes, charming cottages, and income-producing rentals. With limited housing supply and steady demand, investors and homeowners often need fast, reliable financing.
We fund:
Purchases of single-family and multi-unit properties
Bridge loans during sales or 1031 exchanges
Estate, trust, and LLC-owned homes
Fix & flip and value-add projects
Median home prices in Seal Beach are consistently above the Orange County average, making quick access to capital essential.
Are Hard Money Loans Good For Commercial Properties In Seal Beach?
Absolutely. While Seal Beach is primarily residential, its charming Main Street, local retail, and proximity to industrial hubs create opportunities for commercial real estate investment.
We fund:
Retail centers and mixed-use properties
Office and medical buildings
Transitional or vacant commercial assets
Light industrial properties near the I-405 corridor
If banks hesitate, we deliver the capital needed to move forward.
are Hard Money Loans Good For Fix & Flip Property in Seal Beach?
Yes. With a supply of older homes and coastal properties, Seal Beach presents strong opportunities for fix & flip investors looking to modernize or reposition assets.
Our fix & flip loans include:
Up to 70% of the purchase price
No appraisal required (in most cases)
Same-day approvals
Fast draw process for renovation funds
We understand investor timelines, and we move quickly to fund.
Cash-Out Refinance Loans With a seal Beach Hard Money Lender: how it works
Unlock equity without bank delays. Our cash-out refinance loans are ideal for:
Renovating or expanding properties
Paying off maturing debt
Estate or partnership buyouts
Raising capital for new opportunities
We work with trusts, LLCs, and individuals, even (and especially) when traditional lenders won’t.
The Bottom Line
We’re a California-based hard money lender with a deep understanding of Orange County real estate. Borrowers choose us because we provide:
Fast closings—funding in days, not months
Direct access to decision-makers
Competitive pricing without hidden fees
Flexible loan programs for non-traditional borrowers
From Seal Beach to nearby cities like Los Alamitos, Long Beach, and Huntington Beach, we deliver funding when banks can’t.
What is a Hard Money Loan In Seal Beach?
A hard money loan is a short-term real estate loan secured by property equity. Unlike banks, we don’t base approvals on your job history or credit score. These loans are ideal for:
Investors and property flippers
Business owners and entrepreneurs
Estate and trust managers
Borrowers needing fast or alternative financing
When banks say no, SDC Capital says yes—fast.
Hard Money Lenders in Seal Beach
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: