About Company

Source Capital Funding, Inc. is a direct hard money lender based in San Diego providing fast, asset-based financing secured by residential, multifamily, commercial, and industrial real estate across Arizona, California, Colorado, Minnesota, and Texas. Founded in 2007, the company emphasizes speed, transparency, and reliability, underwriting and making decisions in-house to deliver approvals often within 24 hours and funding in 7–10 days, with no appraisal fees and no prepayment penalties. We offer business-purpose loans for acquisition, refinance, and cash-out in first and second trust deed positions, with typical amounts from $100,000 to $5,000, fixed rates generally starting around 8.99% for first liens and 11.99%–13.99% for seconds, and maximum leverage up to 65% LTV (50% CLTV for seconds). The company focuses on the collateral’s “as-is” value, has no minimum credit score or employment requirements, and is known for collaborating with brokers and real estate professionals, having funded over $550 million to date.

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