California's Trusted Private Money Lender

Founded in 2010, SO-CAL Capital is a direct private money lender in California headquartered in Newport Beach. We deliver flexible business purpose loans for real estate investors and brokers alongside high-yield trust deed investment opportunities for capital partners. Everything we do is backed by common-sense underwriting, boutique service, and more than a decade of proven results.

Why Borrowers, Brokers, and Investors Choose Us

Makes-Sense Underwriting

We evaluate every deal on its merits, focusing on property value, borrower strategy, and a clear exit plan rather than rigid credit scores. Our common-sense underwriting approach means qualified borrowers get funded, even with non-conforming profiles.

Capital That Works

With more than $663 million in funded transactions across 780 properties and 1,764+ clients since 2010, our track record speaks for itself. Whether you're a seasoned real estate investor or an experienced broker, we provide the speed and certainty you depend on to close competitive deals.

$663M

Funded

Transactions

780

Properties

Funded

1,764

Clients

Served

In Southern

California

Private Lending Solutions That Work for You

Whether you’re a borrower or an investor, SO-CAL Capital provides private lending solutions built on practical underwriting and tailored programs. Our focus is simple: smarter deals, better results. Discover what’s possible with SO-CAL Capital.

FOR THE INVESTOR

At SO-CAL Capital, we offer investors a smart alternative to depository accounts and the unpredictable swings of the stock and bond markets. Our investment products are designed to bring balance, diversification, and growth potential to your portfolio—without the volatility of conventional options. By choosing SO-CAL Capital, you gain access to opportunities built for today’s economy, helping you protect your wealth while pursuing stronger returns.

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FOR THE BORROWER

With SO-CAL Capital, you gain access to competitive rates and financing solutions that support your objectives. We offer bridge loans, cash-out options, and first or second trust deeds on residential, multifamily, and commercial properties. Our approach emphasizes transparency, consistency, and creative structures that align with your goals. Each solution is designed to deliver stability and opportunity—providing the capital you need to move forward with confidence and achieve lasting growth.

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Product Highlights

Business Purpose Loans built to deliver flexible terms, common-sense underwriting, and qualified access to capital.

1st and 2nd
Trust Deeds

Fixed %
interest
rates

No
Minimum
FICO

Fix & Flip,
Purchase,
Refi & Cash Out

Flexible DCRS

Up to 75% LTV

Loans from
50K to 5 Million

No
Prepayment
Penalty

Lending in
CA, NV, WA, UT, CO, FL, And more

Modern Trust Deed Investing with SO-CAL Capital

SO-CAL Capital brings a fresh, modern approach to trust deed investing—blending experience with diversification to deliver smarter opportunities for today’s investors and brokers. Just like yours, our portfolio is designed for stability and growth, continually evolving with the market.

Recent Transactions

Ready to Invest With Us?

Our strength lies in our ability to understand and address our clients and partners needs with clarity, experience and eye towards maximizing returns.