SO-CAL Capital is a direct private lender providing business-purpose loans in California and across the Western United States. Whether you are a real estate investor looking to acquire a new property, a broker seeking a reliable lending partner for a complex scenario, or a property owner looking to unlock equity, our team delivers fast, flexible financing backed by more than a decade of experience.

A business purpose loan is a real estate-secured loan used for investment or commercial activity rather than personal, family, or household use. Because these loans fall outside the scope of traditional consumer lending regulations, they allow for greater flexibility in underwriting, speed of execution, and loan structure. SO-CAL Capital specializes exclusively in this space, giving our borrowers and broker partners access to capital that traditional banks are unable or unwilling to provide.

Headquartered in Newport Beach, California, and founded in 2010, SO-CAL Capital has funded more than $750 million in transactions across over 840 properties for over 1,700 clients. Our strength lies in our ability to evaluate each deal on its own merits and move quickly when opportunity demands it.

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OUR BUSINESS PURPOSE LOAN PROGRAMS

SO-CAL Capital offers a range of private lending solutions designed to meet the needs of professional real estate investors, developers, and the brokers who serve them. As an asset-based lender, we evaluate each transaction based on the strength of the underlying real estate collateral and the borrower's strategy, not just credit scores or tax returns.

OUR CORE LOAD PRODUCTS INCLUDE:

Bridge Loans
Short-term real estate bridge loans for property acquisition, repositioning, or stabilization. We fund 1st and 2nd trust deeds, providing multiple leverage options depending on your project and exit strategy.
Cash-out Refinance
Unlock the equity in your investment property through a cash-out refinance without disturbing a favorable existing first mortgage. Our 2nd trust deed capability allows property owners to access capital for new opportunities while keeping their current loan in place.
Purchase Refinancing
Investment property loans in California and beyond, structured for speed and certainty of execution. When you are competing against cash offers or facing tight closing deadlines, our team can move at the pace your deal requires.

Every loan we fund is structured as a business purpose loan, meaning it is used exclusively for investment or commercial real estate activity. This allows us to offer the flexible underwriting, streamlined documentation, and fast closings that the professional investment community demands.

Program Highlights

SO-CAL Capital provides business purpose loans with flexible features and makes-sense underwriting. Our programs are built for borrowers and brokers who need a lending partner that values the deal itself over rigid qualification checkboxes.

1st and 2nd Trust Deeds1st and 2nd Trust Deeds
Loans from 50k to 5 MillionLoans from 100k to 10 Million
Flexible DCRsFlexible DCRs
Fix & Flip, Purchase, Refi & Cash OutPurchase, Refi & Cash Out
No Prepayment PenaltyNo Prepayment Penalty
Up to 75% LTVUp to 70% LTV
No Minimum FICONo Minimum FICO
Fixed Interest RatesFixed Interest Rates
Lending in Multiple StatesLending in CA, OR, WA, AZ, NV, CO, ID, UT, MT, WY, NC, and more

Propert Types We Finance

A strong lending portfolio requires breadth across property types and asset classes. SO-CAL Capital finances a qualified mix of real estate collateral, giving investors and brokers access to capital across a wide range of project types.

Apartments PropertyApartments
Mixed Use PropertyMixed Use
Retail PropertyRetail
Properties Icon
Residential PropertyResidential
Industrial PropertyIndustrial
Special Purpose PropertySpecial Purpose

Whether you are acquiring a multifamily apartment building, refinancing a commercial retail center, or securing bridge capital for an industrial property, SO-CAL Capital has the experience and flexibility to structure a loan that fits your project.

Why So-Cal Capital?

Choosing a private lender in California means trusting someone with your deal, your timeline, and your capital. Here is what sets SO-CAL Capital apart from other lenders in the market.

Make Sense Underwriting
We take a human-centric approach to every transaction. Rather than relying on rigid algorithms or automated credit score cutoffs, our team evaluates the property, the borrower's strategy, and the strength of the exit plan. This is why we offer no minimum FICO loans and flexible DSCR evaluations on a case-by-case basis.
Full Control
We control the entire lending process from initial evaluation through underwriting, closing, and servicing. That means faster answers, consistent communication, and no last-minute surprises at the closing table.
Deep California & Western Expertise
With our headquarters in Newport Beach and a lending history that spans over a decade, we bring deep knowledge of Southern California's real estate landscape to every deal. Our regional expertise extends throughout the Western United States, and we also lend actively in other states.
Honest, Transparent Pricing
We believe in clarity, confidence, and trust. Our loan terms are straightforward with fixed interest rates and no surprise junk fees. What we quote is what you get.

A Proven Track Record

Since 2010, SO-CAL Capital has funded over $750 million across nearly 840 properties, serving more than 1,700 clients. Our funding history speaks for itself. Every transaction is built on the same foundation: thorough evaluation, honest communication, and a commitment to getting the deal done right.

For Broker & Borrowers
Borrower Icon
Private Lending Solutions
SO-CAL Capital works hand-in-hand with real estate investors, agents, and mortgage brokers who need a lending partner that moves at the speed of the deal. Our business purpose loans are built for professionals who value certainty of execution, creative capital structures, and direct access to a decision-maker. Whether you need a bridge loan for a time-sensitive acquisition or a cash-out refinance on an existing investment property, our team is ready to evaluate your scenario.
For Investors
Investor Icon
Trust Deed Investing
Investors throughout California are turning to SO-CAL Capital for real estate-secured investment opportunities with the potential to deliver up to 12% annualized yield. Our modern trust deed investing platform offers multiple structures, including single beneficiary positions, fractionalized interests, and LLC membership interests. Every investment is backed by California and Western U.S. real estate and vetted by our experienced team using precise underwriting guidelines. Explore our recent funding stories to see the types of projects we fund and the results we deliver for our investment partners.
Markets Served
Common Sense funding
States Served in Orange
SO-CAL Capital partners with mortgage brokers and real estate professionals throughout multiple states to fund qualified real estate transactions. While California remains our primary market for business purpose loans, our lending footprint extends to Oregon, Washington, Arizona, Nevada, Utah, Colorado, Idaho, Montana, Wyoming, North Carolina, and more. As a full-service private lending partner, we take pride in offering efficient, flexible underwriting for non-conforming business purpose loans in an environment built on partnership and the power of long-term relationships. No matter where your deal is located within our service area, you will work directly with our experienced team from start to finish.
Ready to Start?
Our strength lies in our ability to understand and address our clients and partners needs with clarity, experience and eye towards maximizing returns.