SDC Capital

About SDC Capital

SDC Capital is a Van Nuys, CA based hard money lender. They provide funding throughout California. They provide loans for a variety of situations and needs, including hard money construction loans, commercial hard money loans, short term fix and flip loans, cash out loans, buy and hold loans, and hard money bridge loans. Their lending parameters are flexible, including loan amounts ranging from $100,000 to $5,000,000 with a maximum LTV of 65%, rates ranging between 8% and 11%, and terms between 6 months and 2 years. Their loan parameters do not include a minimum credit rating. They provide loans on all of the following types of properties: single family units, multi-family units, apartments, office buildings, retail units, hotels, storage buildings, senior living communities, mixed use spaces, undeveloped land, churches, warehouse buildings, and industrial buildings.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Land, Church, Warehouse, Industrial

Areas Served: CA

Licenses: CA DRE License #00828051, NMLS License #248271

Lending Guidelines for SDC Capital

Below are the general loan guidelines published on the SDC Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by SDC Capital.

Loan Example 1

SDC Capital issues a hard money loan to Alex for a remodeling project in Los Angeles, CA, on a property that costs $180,000. Because the lender sets a 80% loan to value, Alex will need to put 20% down and the amount of the note will be $144,000. The rate on the note is 8% for a term of 18 months and the company requires a three point origination fee at the closing. The interest payments are to be paid on a monthly basis and the principle amount will be returned after the sale of the property.

In accordance with the parameters of the loan, Alex will have to contribute a $4,320 origination fee plus 20% of the purchase price, or $36,000, since there is a 80% LTV. The monthly interest only payments will then total $960 to SDC Capital. If Alex sells the property for $243,000 after 18 months, he would then earn a gross profit of $41,400 after deducting the original principle of $144,000, the cash paid at the close of $36,000, the origination fee of $4,320, and the aggregate interest payments of $17,280. This profit doesn't include renovation costs.

Loan Example 2

Claudia takes out a fix and flip loan from SDC Capital so she can remodel a townhouse to resell in Los Angeles, CA. The deal has the following terms:

a) A $290,000 purchase price, b) a 75% loan to value (LTV), c) a 6 month term, d) a 8% interest rate, and e) a 5% origination fee.

Once the rehab project is finished, if Claudia sells the property for $406,000, the outcome would be as follows:

$406,000 sales price
- $217,500 principle (75% LTV)
- $72,500 cash paid at closing (25% on 75% LTV)
- $10,875 origination fee (5% of the $217,500 principle amount)
- $8,700 interest payments (6 months x 8% interest)
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= $96,425 total profit (doesn't include taxes or renovation costs)

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