Google 5-Star Rated Direct Hard Money Lender
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What We Offer
- Same Day Approvals
- Rates starting at 8.99% Interest
- Poor Credit OK
- No Debt to Income Requirements
- No Prepayment Penalties
- $20,000 to $10,000,000
- Residential, Commercial, Industrial
- 1st & 2nd Trust Deeds
- up to 65% Loan to Value
- Up to 50% Combined Loan to Value
- Closings in 7-10 Days
What Is Hard Money?
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General Terms and Conditions
No Prepayment Penalties
Rates from 8.99%
Loan To Value up to 65%
Terms Up To 36 Months
Origination Fees From 1.75%
Count on Source Capital for some of the most favorable hard money terms in the industry. We know how important it is to fairly structure our clients’ loans and we’ll always explain each term in detail. You’ll never be hit with hidden clauses, “junk fees”, or penalties for paying off your loan early. Curious about just how great our terms are? Give us a quick call or apply online—it’s fast, easy, and best of all, free!
NOTE: All loans are secured by real estate only.
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445 South Figueroa Street, Ste. 3199
Los Angeles, CA 90071
Los Angeles, CA 90071
29900 North 121st Lane
Peoria, AZ 85383
Peoria, AZ 85383
600 West Broadway, Suite 700
San Diego, CA 92101
Toll Free: 888.334.6636
P: 858.705.6144 F: 866.223.1883
San Diego, CA 92101
Toll Free: 888.334.6636
P: 858.705.6144 F: 866.223.1883
121 Washington Ave N 4th Floor
Minneapolis, Mn 55401
Minneapolis, Mn 55401
325 North St. Paul Street, Suite 3100
Dallas, TX 75201
Dallas, TX 75201
325 North St. Paul Street, Suite 3100
Dallas, TX 75201
Dallas, TX 75201
Based on 305 reviews
Source Capital Funding, Inc. - Direct Hard Money Lender
Jaclyn M C.
20:26 09 Mar 23
Sacha and team were wonderful to work with from start to finish. This is the second time we’ve closed with Source Capital and not only were they quick to get the closing completed in our time frame but also communicated every step of the way. I highly recommend Source Capital!!
B Ward J.
11:16 03 Mar 23
I spent a lot of time trying to get a cash out refinance on a home I purchased through my LLC. This was nearly impossible without first taking it out of my LLC and then put it back at a later date (or so I was told by so many financial institutions). I owned the home entirely and should have been a no-brainer to use the equity in this fully remodeled home. After some extensive and exhausting research, along came came Source Capital one of the last shots at getting this done. What a world of difference!In these crazy times to find this company was/is simply amazing! Ryan Burns Spoke with me and listened to what I was looking to do and to my surprise understood exactly what I wanted, and still keep it in my LLC. Working with him and the wonderful Marie Gleason who walked me through the entire paperwork process, and insured everything was processed just how I had envisioned it. I cannot thank these wonderful people enough. They helped my business when I needed it the most, andand in a wonderfully short time the whole package was done and funded. I will definitely go to them for my future needs.
17:22 02 Mar 23
Amazing company to work with. Their brokers are the best.
14:27 23 Feb 23
A great group of people that will get the job done and make sure you have a great experience.
20:04 13 Feb 23
Fast and efficient!
20:16 10 Feb 23
WOW Sacha did it again I got a second loan approved and closed in a snap. I highly recommend Source Capital Funding, Inc.
05:36 29 Jan 23
For the past few weeks, I have been working with Source Capital Funding in obtaining a short-term loan. They were very helpful in guiding me through the loan process and we were able to close the transaction within a short period of time.
22:52 07 Jan 23
UPDATE: three years later and we hav once again worked with Source Capital Funding. Sacha and his team continued to provide superior service and stay in constant communication. What a pleasure to work with them!Great experience! Sacha and his staff were very efficient and kept me informed every step of the way. Open communication and no surprises. Funded quickly. I would highly recommend Source Capital Funding. We were very pleased and look forward to working with them again.
01:35 04 Jan 23
IMPRESSIVE! I came across a great opportunity and needed a loan fast. I was introduced to Source Capital Funding by a respected friend and business associate. I called Ryan and he knew exactly what was needed and made sure the program/process was crystal clear during our first conversation. The 5-Star review was absolutely earned by both Ryan and Marie as they were knowledgeable, attentive, and quick to respond… especially when I needed it most!!! Sincerest appreciation to Ryan and Marie for their guidance and professionalism. The transaction went off without a hitch, with lightning quick funding, enough said!
20:35 18 Dec 22
Working with Sacha and his team was very straightforward. They responded to emails and calls very quickly. They always delivered what they promised. They met tight deadlines. The whole process was smooth and fast.
19:37 15 Dec 22
I appreciate all the work involved in putting together this loan. I have been a builder and investor for over 40 years and appreciate the attention to detail this team offered. I would refer Source Capital Funding ,INC with confidence...I will reinvest again.. Phoenix is a great market for me to expand in...Thanks again!!!!
23:09 14 Dec 22
It was a pleasure working with Sasha and his team at Source Capital Funding. They worked diligently to help me get my loan. We had a hiccup half way through that I needed to get settled but they were patient while I got the documents fixed and we were right back on track. They answer in a very timely manner and kept me up to date with loan process. I would recommend them to all my family and friends for any future lending needs. Thank you again for your service!
17:00 14 Dec 22
“Efficient and easy to work with. Will use again in the future.”
15:08 12 Dec 22
Marie Gleason was really helpful.Highly recommended. Thank you for the great customer service. Cheers!
22:14 11 Dec 22
On behalf of my entire family, I would greatly like to extend a very sincere thank you to Sacha, Marie and Ryan and everyone else at Source Capital who may have been instrumental in providing my family and I the perfectly structured loan we could have ever dreamed of. After extensively searching for a loan company with the perfect fit and right scenario, Source Capital was the only company that provided exactly what was needed with perfect monthly payment and the necessary structured years we desired. I would definitely recommend Source Capital to my family, friends and neighbors… great job for being there when we needed it most. Thank you Source Capital and happy holidays to you all.Best regards,The Smith Family
03:07 10 Dec 22
Very professional and a pleasure towork with. Highly recommended.
02:30 10 Dec 22
Love the service you guys gave. Especially M Gleason. Keep up the good work. Thanks!
02:28 10 Dec 22
I was having a hard time because of my concerns but Marie Gleason was very patient in helping me. Thanks a lot!
Mark Donald D.
02:24 10 Dec 22
Marie Gleason was accomodating and good customer service
18:48 09 Dec 22
I was in a bind having to redo a terrible loan and had problems from the past. They were so easy, quick & professional. I recommend them to anyone who needs extra help getting home financing. This includes the broker, the escrow and the title departments. If I need them in the future I will go right back to them.
Justine Michael N.
12:21 07 Dec 22
Thank you, Source Capital Funding Inc. for excellent rates and great service especially to Marie G! Got my loan in less than a week.
11:37 07 Dec 22
Source Capital Funding has my highest recommendation. It was a pleasure to deal with Marie since she was so consistent, straightforward, and very trustworthy.
20:10 28 Nov 22
I had a great experience with Source Capital. Sacha Was Very professional and polite at all times and was even negotiable to get me a lower rate just to make me comfortable. I would recommend and would be happy to come back.
20:31 22 Nov 22
Great team to work with!
20:23 22 Nov 22
Source Capital Funding is one of the best hard money lenders I have worked with. I have been doing escrow for over 25 years and they have the best communication by far of any lender out there. I would trust them with my closest friends and family.
17:03 22 Nov 22
Ryan, Marie and the entire Source Capital staff are a complete pleasure to work with.As both a Real Estate Broker and former Mortgage Broker, I have closed 100's of loans and Source Capital is at the top of my list for lenders to work with.Highly recommended, they should be your go to lender for non-prime loans. They are fast and easy to work with. Great rates too
23:15 21 Nov 22
Having worked w/ Source Capital Funding for years now, I can confidently say that you're in good hands working w/ them. Sacha and Marie have always been super professional and easy to work w/ which always makes each experience just that much smoother!
03:17 12 Nov 22
Ryan is a trusted source I can truly depend on when it comes to anything business and finance. He is the person I refer to my colleagues and close friends when they need direction on business ventures. Got to have someone like him in your corner.
22:41 11 Nov 22
I'm a private money broker and being in the middle can prove to be real challenge. The lender and the borrower dance is a unique one to say the least. However Sacha and Source Capital Funding made the entire dance easy. From the user friendly portal...down to listening and addressing our hurdles on the file...Sacha made it happen. If you're seeking a private money lender look no further.
22:24 11 Nov 22
Sacha and his group are excellent hard money brokers. Very thorough and knowledgeable in their field. Good people, who you can trust!!!!!
05:40 10 Nov 22
Sacha Marie & ken are the best..most efficient and very pro active team.. the source capital funding app is one of the greatest app..
17:08 09 Nov 22
I'm very thankful to Source Capital Funding for helping me with the loan. This is the second time I ask them for help and the second time I get the best and greatest service. I hope it's not the last. 😃
14:19 15 Oct 22
This lender is amazing. Sasha almost always answered the phone personally. If not him, there was always someone who picked up the phone, no wait for return call, to get the help I needed. Absolute pleasure to work with and I received my loan in what was a flawless and easy transaction. Highly recommend.
14:37 28 Sep 22
Source Capital Funding is an amazing company and can close loans quickly! Sasha and his team are great with communication, and always willing to help to address any questions or concerns. And they have a very streamlined process. They are one of my favorite lenders. Give them a call and see for yourself. Kelli
04:13 27 Jul 22
Sometimes speed in real estate transactions matters more than money. True, the fees are high, but Source Capital makes it worth your while. The process is easy, fast, streamlined and transparent. Source Capital follows through on its commitments, is responsive and easy to deal with. I would not hesitate to recommend Source Capital to anyone needing fast financing for their real estate transactions.
02:57 09 Jul 22
My loan was not your typical situation and was fraught with hiccups. Ryan went above and beyond to alleviate my fears and tackle each problem quickly and efficiently. His calm and intellect in the face of everything that was thrown at him was impressive and made the experience smoother than it ever should have been. Marie should be commended for jumping in when needed to send paperwork and docs all over the place; all the while, taking my numerous calls and keeping me in contact with Ryan. She is definitely the glue in the Source Capital office. Thank you guys for everything!!!👏🏻👏🏻👏🏻
02:23 05 Jul 22
03:28 23 Jun 22
Great communication and customer centric, highly recommend!
03:36 22 Jun 22
Since the beginning the process with source capital was easy and smooth. Sacha answered the many questions we had and made our unique situation work out. He made sure the loan got funded as quickly as possible and provided guidance throughout the process. I would totally recommend Source Capital to anyone with looking for a hard money loan.
10:36 21 Jun 22
We’re very satisfied with Source Capital Funding. Ryan, Sacha and Marie are professional, knowledgeable and helpful. They’re always easy to reach and answer our questions. Great team, highly recommend this company.
21:16 16 Jun 22
The best of the best! I have been a hard money lender for more than 15 years. I worked with some high quality individuals. For the last 10 years I work exclusively with source capital.Extraordinary due diligence unbelievable track record of success. Check out the other reviews and find out how good they really are. Get to know Ryan and Sasha, partners, exceptional quality people of faith.My wife was a CFO and a forensic auditor. She reviews every deal before I fund them, she also gives them five stars!Michael
Gabrielle Kuholski S.
21:11 15 Jun 22
17:58 10 Jun 22
Love the rates and service I received and would highly recommend this company. A pleasure working with Marie
23:12 08 Jun 22
Sascha was very helpful and knowledgeable. He gave me some very thoughtful and useful advice.
20:01 03 Jun 22
Sacha and Marie didn't disappoint as everything was super smooth and funded in less than 2 weeks! The portal is clean and easy to use for the borrower and the process was like clock work. I have been in the mortgage business for 24 years and no one does it as well as Source Capital Funding. Great job!
18:45 03 Jun 22
This is my second time doing business here has always been smooth and very professional
01:26 25 May 22
Source Capital funding was there for me when I needed them.For a hard money loan, the interest rates are very fair.It was great being able to speak with or email with Marie G. She has always answered the phone when I’ve called. (email is still better)Marie helped me with anything I needed.Sacha ( the owner) is fortunate to have Marie.I made my last payment yesterday morning.My wife and I own our house free and clear.I sincerely hope, if you need to use your home, to get cash from Source Capital Funding, that your able to make all the payments and get your title back as well.JB
00:58 24 May 22
22:58 23 May 22
It has been a pleasure working with Ryan and Marie at source capital for the past three years. They have been very helpful and are willing to answer every question that I have. I will highly recommend source capital to any investor that is intrested in getting a loan.
17:33 16 May 22
21:11 11 May 22
It was a pleasure doing business with Source Capital Funding.They are highly professional, got my loan closed in 1 week with no issues.Ryan Burns and Marie are great to do business with and I will definitely use them again for my financing needs.
13:40 04 May 22
21:56 30 Mar 22
This group is professional and responsive to all questions. Their guidance and assistance is Epic. Thank you all at Source Capitol!
15:35 16 Feb 22
Great experience with two loans. These guys were very professional, prompt with answers to any of my numerous questions, and very helpful throughout the entire process. They kept me very well informed and stayed on top of the process from start to finish. I would highly recommend them to anyone seeking financing. Kudos to Ryan Burns and Marie Gleason for their hard work!!
23:45 14 Feb 22
Sasha and his team are exemplary professionals in an industry that isn’t always very customer focused and friendly. I highly recommend him if you find yourself in need of alternative funding to traditional lending sources.
22:32 10 Feb 22
I've been investing with Source Capital for over 10 years and have nothing but good things to say about everyone there - Sacha, Ryan and Marie. They're a pleasure to work with.
20:07 10 Feb 22
I have been an investor for over 8 years now with source capital and I find them to be one of the most professional and ethical hard money companies out there! They are a quality group that I recommend to anyone.
22:00 14 Jan 22
We just got the very first deal done with Sacha and love the way he works. More to come. Great rates! Great team!
22:30 11 Jan 22
We recently closed on a loan with Sacha. The entire process from start to finish was smooth and easy. Sacha was always available by phone and email to answer any questions we had and walk us through the process. After 18 years in Real Estate I can confidently say this was by far the best experience we have had to date. We look forward to many future closings with Sacha and team. Highly recommend reaching out to him for any and all of your real estate funding needs!
20:33 07 Jan 22
Update: I am updating my review from 3 years ago to give another 5 Star review to Sacha and his team! They are a great group who are fast and friendly and understand your needs. I strongly recommend Source Capital if you need money fast!I've worked with Source Capital Funding a couple of times now and they are always so professional, friendly and responsive. Every member of their staff is so polite and make the process a breeze!
17:35 30 Dec 21
Worked with Sacha and Source Capital Funding twice now. Good communication. Smooth and easy process to navigate. Responsive to all inquiries. Definately will go to them for any future $$$ needs. Thanks!
20:11 21 Dec 21
Excellent service all around and very easy to work with! I highly recommend Sacha and his team!!
19:48 08 Dec 21
Called day one explained my situation...Three days later loan approved for amount needed. Everything in the docs were exactly as discussed no hidden fees or clauses. paid loan off early no additional fees... Sasha awesome to work with... Highly recommend their sevrvices.
13:46 03 Dec 21
Sacha is very professional and great to work with! The staff is helpful through the process. If I need a loan again I will go through Source Capital Funding. I did a lot of research and this company is the best!
22:56 02 Dec 21
Sacha and his team were very professional and helpful. I would highly recommend them.
03:33 09 Nov 21
This was my 2nd transaction with Sacha and his team. Exactly like the first go around, they helped me achieve a major milestone in my life in less than 2 weeks! It was nothing short of amazing. I feel extremely proud of what they helped me accomplish when someone else local to me fell short and almost left me in an impossible situation. I cannot thank them enough and have referred every family member, co-worker and professionals with clients in need.
15:47 04 Nov 21
Amazing lender with great communication. I called this company already under contract needing help and they closed my loan 7 days later. Saved my deposit and helped me flip this property! I highly recommend using them!
20:27 05 Oct 21
Very good job , Fast and Painless.!!!!!!
22:21 28 Sep 21
Sacha Ferrandi with Source Capital is GREAT to work with! Hard working and constantly working on deal until completion. I highly recommend using them for you funding needs. THANK YOU!
00:34 08 Sep 21
19:29 06 Jul 21
Great to work with. Helped us get the deal done.
17:16 08 Jun 21
My agent Sasha was great. Fast easy process. Smooth payout. Will definitely recommend.
22:51 06 Jun 21
Sacha and his team were dedicated and incredibly helpful through the entire process. Even with current state of things with this pandemic they were able to deliver on time and as promised. I will definitely do business with them again in future.
09:39 29 May 21
Easy working with them, very fast and to the point and very cooperative, they help you every step of the way
01:08 29 May 21
Source Capital is by far the best non-prime lender around (and I used to be a mortgage broker). Ryan was an absolute pleasure to deal with right from the start. It may have been the smoothest and easiest mortgage transaction I have ever dealt with.From start to finish it was about 2 weeks from application to close of escrow. No BS, very upfront about the deal and NOTHING changed in the deal. Fees and rate were better than expected and better than similar lenders. Once we were in processing Marie took charge of all the paperwork, very on top of things and also was an absolute pleasure to work with.If you need a non-prime loan, look no further. I wish I had found them sooner. Its too bad Google doesn't have 6 stars!
Christophers gaming and M.
16:31 28 May 21
Sacha and his team were dedicated and incredibly helpful through the entire process. If you want to get a deal accomplished, they are the ones to work withChris P.San Antonio, Texas
Al Capital Funding S.
18:24 27 Apr 21
Ryan, Sacha and Marie were a PLEASURE to work with. Hands on, great service, great process, great loan product! I strongly recommend you use their services, you'll be glad you did!!
15:11 15 Apr 21
Where do I begin? Ryan and the company in it's entirety are unmatched. Not just in the funding industry (residential, or commercial) but just a cream of the crop company all the way through.They lit a fire and gave me a torch. Personally & Professionally, look no further- Source Capital Funding is your go to. There is no second choice or backup! Source C.F. simply stayed with me and didn't waver or quit, or even made it seem like that was even a remote thought. In these challenging times, especially with the pandemic? I would go again and again, and would refer possible clientele to Source Capital in a heartbeat. Ryan, Marie, Jenna.-You can't find better people or a better team here or anywhere. 100 thumbs up. The best from coast to coast. They understand this era we are in and rise to and above the challenge. Ryan & Source, cannot thank you enough. E.Dunn
01:45 14 Apr 21
If ever I find myself in need of a loan, Source Capital is where I would go. It would be hard to find a more genuine, trustworthy person than Ryan. He is honest, direct and keeps the best interests of his customer front and center, he's First-Class.
19:21 12 Apr 21
Working with Source Capital Funding was a breeze. Sacha was quick and efficient and I look forward to working together again. Do not hesitate to give them a shot. Thanks again guys.
21:15 16 Mar 21
We picked source capital because of the reviews and we weren’t disappointed. Sasha was very patient and helpful with everything. This was our first time using a hard money loan and Sasha walked us through everything and didn’t hesitate to answer all of our questions. They were very quick to respond and Sasha went above and beyond to help us with everything since we were new to this. We look forward to use source capital in the future!
18:25 25 Feb 21
I had a transaction that needed to close in 14 days. Sacha committed to doing it. He spelled out the terms and what was required. We uploaded the documentation required that same day. A simple valuation was completed and documents were underwritten. Ten days later we were waiting on the title company to close the loan... Source Capital under promised, over delivered and kept constant communication along the way.
23:01 04 Feb 21
I'd worked with Source Capital Funding a few years ago when I needed a short-term loan for my business. Using my home's equity, founder Sacha Ferrandi guided me through the process and I very quickly had the funds I needed. I recently referred my partner to Source Capital when she wanted to make some improvements on her property, and I would recommend them highly for anyone in need of a fast, streamlined bridge loan. A+
22:46 04 Feb 21
I had plenty of equity in my property but did not have enough liquid cash for necessary improvements. My partner recommended I try Source Capital. The founder, Sacha Ferrandi, and his excellent staff were most helpful and were always available to explain the process and answer all of my questions. If you need a quickly approved, short term loan, I would definitely recommend Source Capital Funding, Inc. for your next source of capital!
18:16 24 Dec 20
I highly recommend Source Capital Funding. Sacha was really great: straight to the point, easy to work with and highly reliable. Source Capital was there to provide both the letter of Intent and actual financing which unabled me to close on my investment property with no hassle. Their process is easy and they offer great flexibility. I will use Source Capital funding again
00:20 02 Dec 20
Easy and efficient, Sacha arranged everything without any fuss or unnecessary delays. The whole process went smoothly from start to finish
02:24 20 Nov 20
Great funding source for short term real estate loans. Very friendly staff that likes to get it done. Thanks for your help.
Consulting Direct I.
19:26 19 Nov 20
Dealing with hard money lenders are a major drag. They lack transparency, communication, and normally keep you guessing. Sacha and his team are superior in this industry and break the traditional rules. They communicate, they answer their phone, they make your needs feel important and work over time to make sure your deadlines are kept. Excellent customer services, customer responsiveness, and overall performance. Can't wait to close another deal with these guy!
18:51 18 Nov 20
I have done a few loans with Source One and the experience has always been smooth. Sacha responded fast to emails and call with questions about the terms and process each time and once the commitment was agreed to the process was easy. I would recommend him to others and I will be doing business with him in the future for sure.
17:27 27 Oct 20
Sacha was amazing every step of the way. Very fast and smooth process. I will definitely use Sacha for any future loans. Thank you so much Sacha and Source capital yall are great.
20:31 26 Oct 20
I was cleary hesitate to contact a hard money loan company through a website, without a face to face meeting or anyone recommendation, how could be possible over million dollar deal went through? But, Ryan Burns made this happen, after the 1st phone consultation, I decided to fill in application, and give out my personal information, we talked almost every two or three days to make sure the deal is there and nothing falling through.The most amazing feel is Ryan complete the task on time, if he says he will provide the LOI by 5pm, you will get it. I was very pleased to work with Source Capital, there are plenty hard money loan company there, but Ryan will still be my first choice for my next project.
12:42 22 Oct 20
i was referred by a trusted business colleague and my particular experience from the outset was extremely fruitful and exceeded my expectations. The application process was very straightforward but subject to some delays of my own making. Sacha was very patient and ultimately delivered a proposal which perfectly suited my requirements. I would use Source Capital again without hesitation and moreover invest with the company in the future. In summary, my experience with Source Capital easily exceeded the Five Star limit!
16:31 08 Aug 20
My first experience with Sacha was in 2011 and we have closed many loans since then.Sacha, Ryan and Marie are always professional, on time and on the top of it. Excellent and fast and easy communication.Their process is very convenient, mostly paperless and a lot can be done fast and remotely. If you have equity in your house they will work with you even if you have low credit score.Recommend them highly.
01:05 01 Aug 20
Eleven years ago we were fortunate enough to find Source Capital through a friend at our club. We started out with investing 5 percent of our worth as our initial investment. We gradually increased our participation because of continued success with Source Capital and now have entrusted 90 percent of our worth with them. We are so comfortable and secure with Source Capital, that we have felt at ease introducing many of our friends and family to this wonderful company. We enthusiastically recommend this highly knowledgeable and professional company.
18:26 30 Jul 20
I have invested with Source Capital Funding for fourteen years. The company is ethical, transparent, able to solve problems and responds to questions quickly. This is a first class company. I recommend highly.
19:09 29 Jul 20
I love my experience with Source Capital. All those, that I have spoken and worked with make the experience better then good. As I expand in the Real Estate Business, I absolutely hope that we can work together on future projects Special recognition to Maria and Ryan Awesome company. If you are thinking about working with them, don't hesitate just do it.
22:34 14 Mar 23
I think the fees were a little bit higher than other companies, but overall the experience was good and professionally handled. This was a pleasant change of pace from other companies I have tried.