Maggio Capital, Inc., is a direct, private or hard money loan lender serving Los Angeles County. We make stated income, equity-based loans for borrowers who can’t qualify for a bank loan or who simply need capital quickly. Approval requirements are based solely on equity in a residential or commercial property located in California and the purpose for the loan. We specialize in 1st and 2nd position loans from $50,000 to $5,000,000 for up to 5 years.

Los Angeles Hard Money Loans

Why Us for Your Private Hard Money Loan?


We are an accredited business with the Better Business Bureau since 2012 and carry an A+ rating.

5 Star Reviews

Maggio Capital carries a 5 Star Google rating from borrowers, brokers, real estate professionals, etc.

Customer Service

We pride ourselves on unparalleled customer service and maintain a 5 Star Yelp rating.

Bureau of Real Estate

Maggio Capital has zero complaints with the California Bureau of Real Estate, Broker License #01883341.




All loans are funded with private investor capital and secured by residential and commercial properties located in California.


Single Family Residences, Condos, 2-4 units


Multi-Family 5+ Units, Apartment Buildings


Office, Retail, Industrial, Mixed-Use


Maggio Capital, Incorporated, is a licensed real estate broker with the California Bureau of Real Estate, Broker #01883341. Based in San Diego, California, we fund hard money or private money real estate loans statewide.

What is a hard money or private money loan?

A hard money or private money loan is an asset-based loan made by private individuals or investors secured by real estate.

What are the qualifications for obtaining a loan?

Qualifying Requirements:

  1.  Equity in a Residential or Commercial Property in California
  2.  Purpose for the Loan

How long does it take to obtain a loan from Maggio Capital?

We typically close loans within 7-10 days from the initial contact.

What markets in California do you lend in?

We make private or hard money loans primarily in the following California markets: San Diego County, Orange County, Los Angeles County, Ventura County, Riverside County, San Bernardino County, Santa Barbara County, Santa Cruz County, Sacramento County, San Francisco Bay Area, Southern California, Northern California, Santa Clara County, Monterrey County, Central Valley, Newport Beach, Corona Del Mar, Torrance, Redondo Beach, Huntington Beach, Costa Mesa, Anaheim, Santa Ana, Fullerton, Del Mar, Solana Beach, Rancho Santa Fe, La Jolla, Pacific Beach, Cardiff, Encinitas, Imperial Beach, Chula Vista, Carlsbad, Oceanside, Coronado, Point Loma, Dana Point, Laguna Beach, San Clemente, Manhattan Beach, Santa Monica, Hermosa Beach, Long Beach, San Jose, Saratoga, Atherton, Redwood City, Calabasas, Hollywood, Thousand Oaks, Encino, Woodland Hills, Sherman Oaks, Glendale, Burbank, Pasadena, Oxnard, Carmel, and more.


Pasadena, CA

Loan Amount: $125,000
Lien Position: 2nd
Loan Type: Cash-Out
Property Type: Non-Owner SFR

Manhattan Beach, CA

Loan Amount: $4,000,000
Lien Position: 1st
Loan Type: Cash-Out Refinance
Property Type: Non-Owner Triplex

Los Angeles, CA

Loan Amount: $2,275,000
Lien Position: 1st
Loan Type: Purchase
Property Type: Commercial Industrial

Santa Monica, CA

Loan Amount: $700,000
Lien Position: 1st
Loan Type: Refinance
Property Type: Single Family Residence

How does a real estate investor qualify for a hard money loan in Los Angeles?

Los Angeles Hard money loans are very useful for real estate investors in California. Typically, private money lending is utilized by investors who are either purchasing or refinancing a property that has too much deferred maintenance or is uninhabitable, perhaps they have some past credit issues that the bank underwriters can’t overlook, or they may simply need to close on a deal in a time frame that is unrealistic for traditional financing. Whatever the circumstances may be, most hard money lenders utilize the “make sense” underwriting approach and focus primarily on the asset, not the borrower’s income or credit history.

To obtain a hard money loan you will need equity in a residential or commercial property, a business purpose nature to the transaction and a realistic exit strategy. Most hard money lenders require that the borrower have at least 25% protective equity in the property. When a borrower has significant “skin in the game” or protective equity it is less likely that he or she will walk from the project or property in the event of a market downturn, project cost overruns, etc.

Private Hard Money Lending Experts

Business purpose loans are defined as a loan to acquire, maintain, or improve rental property, working capital for an existing business, etc. A business purpose loan is not for personal, family or household use, and thus much easier to qualify in relation to consumer purpose loans. Realistic exit strategies can include the sale of the subject property or another property in the borrower’s portfolio, a bank refinance after the property is stabilized and generating rental income, a cash infusion, etc.

Although LA hard money lenders have higher interest rates than traditional mortgages, they also have many advantages. First and foremost, the “hard money” lending industry has undergone fundamental changes in the last few years with the industry becoming more mainstream. Private loans are simply much more cost effective than they have ever been and obtaining a hard money loan can be much cheaper than taking on an equity partner.

Another significant advantages to taking out a hard money loan is speed. Most hard money lenders can typically underwrite and fund a loan in a matter of days, not weeks or months. Furthermore, the documentation required for qualifying purposes is minimal in comparison to banks. Also, if a borrower has had a recent foreclosure, bankruptcy, bad credit, late payments, etc., but has equity in a property, a hard money lender could be an option. Hard money lenders essentially allow non-bankable borrowers access to purchase money financing for real estate investments or access to cash from the equity in their property that would otherwise likely not be accessible.

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