Maggio Capital, Inc. is an Orange County hard money lender. 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 3 years with no financials and minimal paperwork.

Orange County 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.

Do you lend on owner-occupied properties?

Yes.  We make loans on owner-occupied residential properties strictly for business purposes.


Anaheim, CA

Loan Amount: $400,000
Lien Position: 1st
Loan Type: Cash-Out Refinance
Property Type: Owner-Occupied SFR

Corona Del Mar, CA

Loan Amount: $440,000
Lien Position: 2nd
Loan Type: Cash-Out Refinance
Property Type: Non-Owner Triplex

Orange County, CA

Loan Amount: $800,000
Lien Position: 1st
Loan Type: Cash Out Refinance
Property Type: Commercial Retail

Newport Beach, CA

Loan Amount: $300,000
Lien Position: 2nd
Loan Type: Cash-Out
Property Type: Non-Owner SFR

What are the benefits of a Hard Money Loan? 

One of the most significant benefits of utilizing our Orange County hard money financing is how quickly you can receive your funds. Whether you are thinking about purchasing an investment property or pulling cash-out from either your owner or non-owner-occupied property for a business purpose, hard money loans move much quicker than banks.

So why is obtaining a hard money loan much quicker than that of a traditional or conventional loan? The first part that speeds up the process is the minimal documentation a hard money lender needs to underwrite a loan scenario. Most hard money lenders only need a property address, loan amount and the purpose of the loan to give a firm quote. In contrast, banks who have shareholders to answer to can require tax returns (both personal and or business), bank statements, profit and loss statements, etc.

Fast Hard Money Loan Approval 

The speed of obtaining a hard money loan is such a large benefit that even when some people are capable of securing traditional financing from the bank, they still side with a hard money loan because they do not have the time for the banks stringent underwriting process. In the very competitive housing market in Orange County, purchase offers have to be very aggressive to get accepted. Real estate investors will use private money loans to purchase their investment properties so that they can write shorter escrows, thus making their offer that much more appealing to the seller and their agent. Think about it, if you are selling your home and the multiple offers look relatively the same regarding price, down payment, etc., but one has a 15-day escrow, and the other has a 45-day escrow, which one would you accept? Depending on the circumstances, chances are you would likely take the shorter escrow to close on your transaction quicker. This is one-way many real estate investors, and real estate agents utilize hard money loans for their benefit. After the investor obtains the property, they can begin their refinance process into a lower interest rate, permanent loan or whatever the case may be since they already own the property and can shop for the best financing options available in the marketplace.

Another way that the expediency of a hard money loan can be utilized is by preventing a client from losing a property that they already own. Hard money lenders offer foreclosure bailout loans on investment properties depending on the circumstances. Perhaps the tenant moved out resulting in loss of income, the property has too much-deferred maintenance to generate revenue, or the property owner has fallen on hard times and can’t bring the loan current. Whatever the case may be, hard money lenders understand that unfortunately, these things do happen. If there is enough equity in the investment property, a hard money lender can do a rate and term or even a cash-out refinance to avoid a trustee’s sale and help the borrower get their investment property back on track. Speed is just one of the many benefits of utilizing hard money, and if it is used correctly, it can be a great short-term financing option for many investors who need to close in a hurry.