California Commercial Hard and Private Money Loans


Your California hard money direct source for equity-driven commercial deals now in San Francisco, Los Angeles, San Diego, Oakland, Sacramento, and more. If you have exhausted your Commercial financing options and hit a roadblock let SCM validate your loan. As a business owner and self-employed borrower, we realize all the critical stresses on your business and how the need for capital can rise on a moment’s notice. When that time arises you need a private money source who understands issues with less-than-perfect credit, income verification issues, and the box request unique to your commercial business and industry. At SCM you can expect a responsive, understanding, compassionate, underwriter who is ready to help get the commercial financing you need based on the equity in your building.

The California commercial real estate market is making a steady recovery and those refinancing and purchase requests will be creating more stress and demand on banks who can’t handle the request. We fill the void where banks fail and allow good borrowers to use the equity and provide capital to their most valued asset in their business.

SCM is a hard money portal connecting borrowers to unlimited sources of Hard Money Commercial Capital. Apply today for your California Bridge and Collateral commercial hard money loan. Types of Properties our Hard Money Investors are Looking for in California:

  • Mixed-Use Retail Centers
  • Multi Family Hotels
  • Apartments Warehouse
  • Strip Centers Self Storage
  • Office Complexes Nightclub
  • Gas Stations Office Condos and Commercial Land, Light Industrial

Steps to Get Approved on your California Commercial Hard Money and Private Money Loan:

  1. Fill out a quick loan form
  2. One of our Hard Money Investors will call you directly
  3. Our Underwriting will determine the value of your property
  4. You must show some ability to repay the loan
  5. You must submit leases and lease income
  6. Copy of your commercial survey and Profit and Lost Statement
  7. Articles of Incorporation
  8. 12 Months of Bank Statements
  9. Pictures of your Property
  10. If a Purchase then a Purchase Contract

Basic terms of your California Commercial Hard Money Loan:

  • Ltvs up to 65% of the value of your Building and Land
  • Same-Day to 48-hour validations
  • Terms: 1/2/3/5/7 years
  • Rates 8% to 12%
  • Loans size 50k to 10 million
  • Some with prepayment some without
  • No pocket upfront fees
  • Brokers can make up to 2 points
  • Lite Documentation
  • Closing time up to 21 days ideally 14 days or less based on a Clear title
  • Many times no appraisals save your clients thousands.

Once your loan is endorsed you can use the cash out for any reason, to expand your business, purchase more equipment, debt consolidation, payroll, pay off property taxes, purchase another building, or purchase inventory, and merchandise, you need liquid cash many times to secure new business and contracts. At SCM we have hundreds of our hard and private money investors living in California who move quickly and understand the special needs of your city, town, and county and will give you the deal and the special attention it needs. When time is of the essence you can count on SCM to close your California Deal. Call us or fill out a 2-minute lead request today.

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