California Hard Money Lender
Source Capital Funding
Hard Money LoansCommercial Financing
Lending
At Source Capital Funding, we offer a full spectrum of hard‑money loan solutions tailored to the unique needs of California’s real‑estate market. From rapid hard‑money purchase and refinance loans that enable investors to snap up lucrative properties in days, to bridge financing that provides the bridge capital required to transition between acquisitions, we keep your deals moving forward. Private money loans allow you to tap into equity for multifamily or commercial projects, while our commercial loan product supports large‑scale acquisitions, renovations, and business‑property investments. Our DSCR loans empower rental‑property owners to finance their deals based on cash flow, and our owner‑occupied loans offer flexible terms for primary‑residence refinancing. Finally, our investment‑property loan and non‑QM loan programs cater to niche investors seeking customized solutions without traditional credit hurdles.
What sets Source Capital apart is the combination of speed, flexibility, and transparency. Loan approvals are processed in under 24 hours, and funding is typically delivered in 10 business days or less. We charge no prepayment penalties, no appraisal fees, and no hidden costs, giving you full visibility over your loan structure from the start. Our rates are competitive, ranging from 8.99% to 11.99% for first‑position loans, with higher‑leverage options available for experienced borrowers. By focusing on property equity rather than personal credit, we open doors for investors with past bankruptcies, foreclosures, or limited income documentation.
With a nationwide presence and a proven track record of over $550 million funded, Source Capital’s dedicated team of loan specialists works hand‑in‑hand with each client to craft a financing package that aligns with their investment goals. Whether you’re a seasoned pro or a first‑time buyer, our customer‑centric approach guarantees a seamless, stress‑free experience from application to close. Partner with Source Capital Funding to unlock the full potential of your California real‑estate ventures.
About Us
515 South Flower Street, 18th floor
Los Angeles, California 90071
US
At the core of Source Capital’s value proposition is an unwavering commitment to speed and flexibility. By focusing on property equity rather than credit scores, the firm evaluates deals within a matter of hours, delivering written loan commitments in as little as 24 hours and closing funds in under ten business days. The loan terms are designed for the modern investor: up to 70% LTV on first‑position loans, no prepayment penalties, and no appraisal fees for qualified properties. Rates remain competitive, ranging from 8.99% to 11.99% for first‑position loans, and the company’s transparent fee structure—starting at 2.0% of the loan amount—ensures borrowers know exactly what they are paying from day one.
Source Capital’s extensive product suite caters to every niche of the California real‑estate market. Whether it’s a hard‑money purchase loan for a residential flip, a bridge loan to bridge a renovation gap, a private money loan for a multifamily expansion, a commercial loan to acquire a downtown office building, a DSCR loan powered by rental cash flow, an owner‑occupied loan for a primary residence, or an investment‑property loan for a long‑term rental portfolio, the firm tailors terms to match the borrower’s unique goals. Client testimonials speak to its professionalism, transparency, and unparalleled customer experience, with repeat borrowers citing the team’s responsiveness, clear communication, and ability to close under tight deadlines. Choosing Source Capital means partnering with a lender that not only understands California’s fast‑moving market but also has the resources, expertise, and dedication to keep your projects moving forward.