Socotra Capital

Socotra Capital is a direct private lender specializing in business-purpose real estate loans across the United States. The company provides bridge, fix-and-flip, rehab, cash-out refinance, and specialty commercial financing, with an emphasis on fast closings and in-house underwriting.

CRE Hard Money | Up to 60% LTV

Since 2007, Socotra Capital has been providing asset-based hard money financing to real estate investors that cannot get financed by a bank, or just need to close fast. We fund almost all types of commercial real estate in 22 states. We have over $500 million in hard money loans under management, and we have lots of capital to deploy.

Asset-based loans – no income, financial or minimum credit score
Must have lots of equity; our maximum LTV is 60%
Purchase, Refinance or Equity Cash Out Loans
Rehab loans up to 75% loan-to-cost and 60% after-repair value
All property types considered, except Agricultural/Farms
Loan terms up to 20 years (at hard money interest rates)
Cannabis-use properties OK
Churches and places of worship OK
Owner-user commercial properties OK
Vacant buildings OK
Foreign investors welcomed
Brokers always protected

Please note: We do NOT offer loans for ground-up construction or land development.

Common Loan Scenarios

Low Leverage Lending (< 60% LTV)
All Types of Properties Except Ag/Farms
Asset-based: Low FICO Score OK
2nd Mortgages in California and Nevada

Scenarios Not Considered

Leverage Higher than 60% LTV
Rehab Value-Add Loans
Development or Construction Loans
Owner-Occupied Homes

Details and Requirements

Property Geographic Area Details

Lending in 20 states: Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Hawaii, Idaho, Maryland, Massachusetts, Nevada, New Hampshire, North Carolina, Oregon, Texas, Utah, Virginia, Washington, West Virginia, Wyoming

Loan Amounts

$100,000 to $12,000,000

Interest Rates

10% to 14%

Origination Fees

2% to 4%

Loan Terms

6 to 240 months

Lien Position

1st, 2nd

Credit Check Required

yes

Credit Check Details

We don't have a minimum FICO score but we do check credit.

Prepayment Penalty

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Amortized
Interest Reserve
No Monthly Payments Required

Personal Guaranty (Recourse) Required

Sometimes
We do consider non-recourse but typically at a 5%+ reduction in loan-to-value and an increase in origination fees.

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation
Non-Profit Corporation
Self-Directed IRA

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project
Development Project
Personal Use

Property Occupancy

Vacant
Tenant Occupied 100%
Owner Occupied Commercial

Last updated: August 3, 2026

Socotra Capital’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$190,642,480

12mo Loan Count

149

Total Loan Volume

$1,060,216,176

Average Loan Size

$1,041,470

Loan Count by State (Past 12 Months)

CA: 115, NV: 7, AZ: 2, WA: 5, GA: 5, TX: 5, CO: 3, OR: 3, MD: 2, NC: 2

Data provided by

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Company Quick Facts

Year Established: 2008
Headquarters: Sacramento, California
Founders: John Ingoglia and Adham Sbeih
Company Type: Direct private lender
Leadership: Adham Sbeih, Co-Founder & CEO
Geographic Focus: Nationwide lending across many U.S. markets
Primary Customers: Real estate investors, business owners, and mortgage brokers
Loan Types: Commercial Bridge Loans, Fix & Flip Loans, Rehab Construction Loans, Cash-Out Refinance Loans, Bridge-to-Permanent Loans, Private Lines of Credit, Cannabis Property Loans
Property Types: Residential, commercial, industrial, mixed-use, cannabis, and specialty real estate
Loan Amounts: $100,000 to $20,000,000
Typical Loan Terms: 6 to 24 months, with select long-term amortization options available
Funding Speed: Typical closings in 10 days or less; Turbo Close® program available in as little as 5 days
Loan Volume: More than 2,000 loan transactions totaling over $2 billion funded
Underwriting Approach: Equity-focused underwriting with in-house loan origination, processing, funding, and servicing

NMLS ID 266090, CFL Lic. 60DBO52860, CA DRE Broker Lic. 01859201, Nevada Lic. 4075, Nevada NMLS #1142425

Office Locations

2714 V Street, Sacramento, California 95818

300 E 2nd #15-17, Reno, Nevada 89501

Connect with Socotra Capital :

Our Team

Adham Sbeih

CEO | Principal

Bureau of Real Estate #01792876 - NMLS #304661

Sean McDonald

VP | Loans and Investments

Bureau of Real Estate #01886733 - NMLS #1119675

Tony Ingoglia

Chief Strategy Officer

Paul Cotter

Chief Operations Officer & In-House Counsel

Chris Baumann

Partner | Sales Manager

Kerati Apilakvanichakit

Partner | SVP

Matthew Yu

Partner | SVP

Our minimum loan amount is $100,000

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