Why Borrowers, Brokers, and Investors Choose Us

1

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.

2

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.

3

Direct Lender, Full Control

SO-CAL Capital controls the entire lending lifecycle, from origination and underwriting through servicing and resolution. As a direct private lender, there are no middlemen, no delays, and no surprises. You work directly with our team of decision-makers.

4

Deep Regional Expertise

Headquartered in Newport Beach, we are the #1 private lender in Southern California with asset-based lending across CA, OR, WA, AZ, NV, CO, ID, UT, MT, WY, NC, and more. Our knowledge of local markets gives borrowers and investors a decisive edge on every investment property transaction.

$663M
Funded
Transactions
780
Properties
Funded
1,764
Clients
Served
#1 california icon
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.
BRIDGE LOANS & ACQUISITION FINANCING
When traditional bank financing is too slow, SO-CAL Capital delivers. Our bridge loan programs in California provide the short-term capital investors and borrowers need to acquire properties quickly, whether for repositioning, refinancing, or capitalizing on a time-sensitive opportunity. Loans are secured by 1st or 2nd trust deeds, giving borrowers flexible leverage options including cash-out refinance loan structure. As a 2nd trust deed lender, we offer a capital solution that many private lending firms avoid entirely, allowing property owners to access equity without disturbing their primary mortgage, preserving their existing low-rate financing.
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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.
borrower icon
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.
Business Purpose Loan Highlights
Every private money loan from SO-CAL Capital is structured for business purpose real estate transactions, designed with the flexibility, transparency, and speed that professional investors and brokers require. No prepayment penalties, a competitive fixed interest rate, and honest pricing with no hidden fees. Each loan term is tailored to your specific exit strategy.
1st and 2nd
Trust Deeds
Fixed
interest
rates
Minimum
FICO:
NONE
Fix & Flip,
Purchase,
Refi & Cash Out
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Flexible DCRS
SO-CAL logo
Up to 70% LTV
Loans from
100K to 10 Million
Prepayment
Penalty:
NONE
Lending in
CA, NV, WA, UT, CO, FL, And more
SO-CAL Team in the Office

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.

Modern Trust Deed Investing With SO-CAL Capital

Looking for a high-yield alternative to traditional markets? Our trust deed investing program offers accredited investors and capital partners the opportunity to earn competitive, real-estate-backed returns with built-in protections.

ANNUALIZED YIELDS UP TO 12%

Each loan is secured by California real estate with a Loan-to-Value of up to 70% at origination, representing an estimated 30% equity cushion based on property values at that time, which may change over the life of the loan.

FLEXIBLE INVESTMENT STRUCTURES

Participate as a single beneficiary, through a fractionalized interest (tenants in common), or via membership in a purpose-built LLC. Each structure offers different levels of control and diversification. Whether you're comparing trust loans, refinance loans, or other vehicles, our programs are designed to align with your goals.

CONSERVATIVE RISK MANAGEMENT

Every loan is secured by real estate with a maximum Loan-to-Value of 70%, providing an estimated 30% equity cushion. Our rigorous vetting process evaluates each loan amount against the underlying collateral to prioritize the protection of investor capital.

EXPERIENCED LEADERS, PROVEN RESULTS

SO-CAL Capital is led by a team of licensed real estate professionals whose backgrounds span finance, mergers and acquisitions, real estate litigation, and portfolio management. Founded by President & CEO Jaclyn Lacy, the firm brings a disciplined, relationship-driven approach to every transaction.

When you work with SO-CAL Capital, you get direct access to decision-makers, not a corporate call center. Our boutique structure means faster answers, flexible solutions, and a team that understands your deal from day one.

Real Estate Broker — CA DRE License #01884316

SO-CAL Team in the Office
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.