Hard Money Loans in Chico, CA
Scoop up that commercial or residential property quickly, no long waiting games or excessive paperwork
Get Pre-Approved
Waiting Could Cost You, Everything
Investing in real estate has never been easier with StartCap’s hard money loans in Chico, CA. Whether you are buying, flipping, or refinancing, our fast approval process and flexible terms ensure you have the funds you need to take the next step in your project.
Fast Approval Decisions
Get approved quickly, with minimal delays so you can seize opportunities without missing a beat.
Asset-Based Lending
Leverage your property as collateral to secure the funding you need, even without perfect credit.
Flexible Repayment Options
Choose a repayment plan that works best for your project, with terms that fit your needs.
More Than Chico Hard Money Loans
StartCap empowers businesses in Butte County with unsecured loans and credit products designed to meet their needs. We offer flexible financing options that ensure your business has the capital it needs to succeed and grow.
From idea to orbit, we've got you covered.
No matter where you're at in your journey, we have options to help you get to the next level.
Idea-Stage
Got a brilliant idea and ready to launch? We’ll help you get registered with your state and secure the funding you need to take off.
Early-Stage
Lifting off can be tough, but it doesn’t have to be. We’re here to give your new venture the boost it needs to soar.
Well-Established
Keep operations running seamlessly with the right funding for vendors, inventory, payroll—whatever your business needs to stay on course.
+ 3-Months of Free Digital Marketing
For a limited time, our expert in-house marketing team is offering 3 months of premium marketing services—valued at $20,000—to help drive leads and sales for your start-up, whether you're in Chico or nationwide.
Here's a truck load of stuff to get kicked off
Find Hard Money Loans Near
Chico, CA
StartCap offers fast and flexible hard money loans to businesses in Chico and surrounding areas. Whether you’re looking to invest, expand, or stabilize, we provide the funding you need to achieve your goals. Explore the cities we serve and let us help you find the right loan. From Durham to Palermo and beyond, we're your real estate partner.
Hard Money FAQ's
In the economic landscape of Butte County, California, local business owners and property investors seek alternative financing solutions through hard money loans. Private lenders and specialized investment firms in Chico often provide these short-term funding options for residential and commercial real estate transactions across Northern California.
Securing hard money loans involves connecting with local private money lenders, real estate investment groups, and mortgage brokers specializing in expedited property funding. While StartCap represents one potential resource, founders should research multiple local funding sources tailored to their specific investment or development requirements in the greater Chico area.
Interest rates for hard money loans in Chico typically range from 7.5% to 15%, but they can vary widely depending on several factors. These factors include the type of property being financed, the borrower's credit history, the size and duration of the loan, and the specific lender’s terms. Hard money loans are often used for short-term, asset-based financing, which is why the rates tend to be higher than traditional bank loans. Additionally, borrowers should be aware that fees, points, and other costs may be added to the overall loan, making the total cost of borrowing higher. Always compare terms from multiple lenders to ensure the best deal for your specific needs.
No, you don't even need to be registered with your state to receive funding. In most cases we can either help you get registered with your state or find alternatives that depend more on personal credit, income or assets.
Chico's real estate market offers diverse opportunities for hard money loans across residential and commercial properties. From downtown Victorian homes near Bidwell Park to industrial spaces along Bruce Road, investors find flexible financing options for fix-and-flip projects, multi-family dwellings, and vacant land development in Butte County, CA.
Local property types suitable for hard money loans include single-family residences, townhomes, apartment complexes, warehouses, retail spaces, and agricultural lands. Investors targeting Chico's growing market can leverage these specialized loans for quick acquisitions, renovations, and strategic real estate investments throughout Northern California.
