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California Hard Money Lender

Universal Commercial Capital is a California hard money lender, financing real estate investments up to $10 million. As a direct lender, we can fund quickly, usually in 5-10 days with less requirements than a bank.

  • A nationwide direct lender
  • Pre-approval in 24 hours
  • Typical funding in five to ten days
  • Loan amounts up to $10 million
  • We Lend Up To 80% LTV
  • Best-in-class Broker Program

Purchase | Refinance | Cash-Out | Fix-and-Flips

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hard money lender

All information is confidential

See What They Are Saying…

“Universal Commercial Capital did an excellent job in a short time frame. I feel their rates are competitive. Where I feel they distance themselves from the competitors is their ability to close quickly. My loan got funded in 8 days.”

-Jacque M, Investor, San Diego

Property Types We Lend On

Universal Commercial Capital will consider a variety of property types including, but not limited to:

Loan Types


A loan that is secured by property and usually provided by private lender


With us you will find a partner that can provide commercial loan resources


Loans that will help you purchase and renovate a property before flipping

Where We Lend

Universal Commercial Capital lends in metropolitan cities and coastal areas nationwide

Recently Funded Loans

Want to invest with us? Click to see available investment opportunities.

What Our Borrowers Are Saying About Us

California Hard Money Lender

  • Haley L. Avatar
    Haley L.
    – Google

    Thank you Universal Commercial Capital for always providing an amazing quick and convenient experience. Universal Commercial Capital is our go to hard money lender. They are very professional and trustworthy. We highly recommend them to everyone!

    Fernando M. Avatar
    Fernando M.
    – Google

    Universal Commercial Capital is professional, transparent, and honest. I’ve recommended them to my friends and family members, and all have experienced great service

More Reviews On Google

Frequently Asked Questions

What is the cost of a hard money loan?2020-06-29T20:12:39-07:00

A hard money lender typically charges a few points in addition to interest on the loan. The points may vary between 1-4 typically and are paid at closing. For example, 1 point on a $500,000 loan is equal to $5000. These points are usually paid at settlement as part of the borrower’s closing costs. Hard money interest rates are typically in the 7-10% range depending on the complexity of the loan, the borrowers down payment, the location and the loan term.

Is a Hard Money Loan considered cash?2020-06-29T20:13:08-07:00

In many cases, a hard money loan is given similar weight as cash buyers because of the speed of which hard money loans close.

Are Hard Money Loans a Good Idea?2020-06-29T20:14:00-07:00

Hard money loans make sense in many situations. You cannot compare a bank loan to a hard money loan. For starters, they are typically interest-only payments. Also, hard money loans are typically meant as bridge financing. Most hard money loans are made for 12-24 months. They are meant as a short term solution while the borrower secures long term financing or completed their business objective. Hard money loans are a good fit for wealthy investors who need to get funding for an investment property quickly, without any of the red tape that goes along with bank financing.

How do hard money loans work?2020-06-29T20:18:14-07:00

A hard money loan is simply a short-term loan secured by real estate. Unlike traditional lending institutions, hard money lenders are mainly concerned with the equity in the property and the location as opposed to a borrower’s credit score and financials. A major benefit of securing a hard money is the ability to close a hard money loan quickly. Most hard money loans take about five to seven days. Los Angeles hard money lender Universal Commercial Capital can typically fund hard money loans in about five to ten days on average.

How long does the loan process take?2020-06-29T20:20:15-07:00

After receiving a signed term sheet, Universal Commercial Capital typically funds a loan in five to ten business days, depending on the complexity of the loan.

What if I have a low credit score?2020-06-29T20:20:56-07:00

Hard money lenders like Universal Commercial Capital primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered but is not a primary determinant in the underwriting process.

What is a hard money loan2020-06-29T20:21:46-07:00

A hard money loan is a real estate-backed loan where a borrower receives funds secured by the equity in their property (or properties). Hard money lenders like Universal Commercial Capital are mainly focused on the equity in the property as opposed to the borrower’s financials or credit score. Hard money loans are typically short-term ranging from six months up to two years.

Do Hard Money loans require down payment?2020-06-29T20:24:03-07:00

The majority of hard money lenders DO require a down payment. They’ll take a look at your credit score, experience, and maybe a few other factors. The lower the LTV, the stronger the deal and you may get more favorable terms. Down payments for hard money loans typically range from 20% to 40%. Universal Commercial Capital will also cross collateralize other properties owned by the borrower with equity if available.

Do Hard Money loans show up on credit?2020-06-29T20:24:21-07:00

Hard money loans typically won’t report credit. They may check your credit before lending, but it is not common to report the hard money loan to credit bureaus. Hard money lender’s lend against the asset and not your credit.

About Our Lending Program

  • Rates Starting At 7.00%; Interest-only
  • Loan Amounts From $200,000 To $10,000,000
  • Commercial & Residential Investment Properties
  • Up To 80% LTV of Purchase Price
  • 6-Months To 5-Year Terms Available
  • Bad Credit OK (Asset Based Loans)
  • Foreclosure Bailouts OK
  • Foreign Nationals OK
  • Cannabis Use Properties OK

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Find Out What You Qualify For

Universal Commercial Capital can normally make a decision on loans within about 24 hours. Start your application now and find out if you are eligible for a hard money loan with Universal Commercial Capital. If you receive a term sheet, we can usually fund loans in about 5-10 business days.

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Hard Money Lender

All Information Is Confidential


We Work With Brokers

Fund loans quickly with Universal Commercial Capital

Broker Program