Socotra Capital
Socotra Capital is a Sacramento-based private hard money lender founded in 2007 that originates equity-based real estate loans ($100K-$20M at 8-18%) for investors, developers, and brokers across 22 U.S. states, having funded over $1 billion in 1,000+ transactions.
- Company typePrivate
- Founded2007
- HeadquartersCauseway Bay, Hong Kong SAR China
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Socotra Capital does
Socotra Capital is a Sacramento, California-headquartered private direct hard money lender founded in 2007 by Adham Sbeih. The company originates short-term, equity-based real estate loans ranging from $100,000 to $20 million at interest rates of 8% to 18%, charging additional origination points at closing. Its loan portfolio spans eight product lines: Turbo Close® (5-day closings), Commercial Bridge Loans, Fix-and-Flip Loans, Private Line of Credit, Bridge to Permanent Loans, Cash-Out Refinance Loans, Cannabis Property Loans, and Rehab Construction Loans. Since inception the firm has originated more than $1 billion in loans across 22 states and manages over $500 million in equity capital, completing more than 1,000 transactions. Socotra holds lending licenses in California and Nevada (NMLS #266090 and #1142425) and operates a subsidiary, Socotra Capital Nevada, Inc.
The company's revenue model combines ongoing interest income from its deployed loan portfolio with one-time origination fees collected at closing, supplemented by management of mortgage pool funds for accredited investors. Its go-to-market is sales-led and referral-driven, targeting three customer segments: (1) real estate investors and developers seeking fast, flexible financing for non-bankable properties, (2) real estate brokers and mortgage professionals who refer clients needing alternative financing (including partnerships with CBRE and Colliers International), and (3) accredited investors participating in mortgage pool funds via an investor portal. The firm differentiates on speed (most transactions close within 15 days, Turbo Close® in 5 days or less), flexible underwriting (no minimum credit score, equity-based lending), and single-point-of-contact borrower service. Operational scale is modest at 11-50 employees, with leadership including CEO Adham Sbeih, President/CEO Roy Malone, CSO Tony Ingoglia, and COO/General Counsel Paul Cotter.
Socotra Capital firmographics
Firmographics- Name
- Socotra Capital
- Legal name
- Socotra Capital Inc.
- Website
- https://socotracapital.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Socotra Capital is a Sacramento-based private hard money lender founded in 2007 that originates equity-based real estate loans ($100K-$20M at 8-18%) for investors, developers, and brokers across 22 U.S. states, having funded over $1 billion in 1,000+ transactions.
- Ownership category
- akta.pro rank
Socotra Capital industry classification
Industry- Product category
- Hard Money Lending
- NAICS
- Sales Financing (52222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
Keywords
Where Socotra Capital is headquartered
LocationHeadquarters
- HQ city
- Causeway Bay
- HQ country
- Hong Kong SAR China
- HQ region
- Asia
Offices1 record
Markets served
Socotra Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Interest Income from Hard Money Loans: Socotra Capital generates primary revenue by originating hard money loans secured by real estate. They charge interest rates ranging from 8-18% on loans, with loan amounts typically between $100,000 and $20 million. This is the core revenue driver representing ongoing interest income from their loan portfolio.
- Loan Origination Fees: The company charges origination fees on loans, with rates quoted in 'points' (percentage of loan amount). Points charged vary based on loan complexity, property type, and risk factors. These fees are collected at loan closing as a one-time charge.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Interest rates ranging from 8% to 18% depending on deal specifics |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Socotra Capital product offering
Product offeringCore offering
Socotra Capital is a direct private money (hard money) lender that originates short-term, real estate-secured loans for investors, developers, and property owners. Loan products include Turbo Close® (5-day closings), Commercial Bridge Loans, Fix-and-Flip Loans, Private Line of Credit, Bridge to Permanent Loans, Cash-Out Refinance Loans, Cannabis Property Loans, and Rehab Construction Loans, with loan sizes typically between $100,000 and $20 million and rates of 8–18%. The company also operates an investor platform that pools accredited investor capital to fund its lending activities.
Product overview
Socotra Capital operates as a direct private money lender offering a portfolio of hard money loan products designed for real estate investors, brokers, and property developers. The core offering centers on equity-based lending with fast turnaround times, led by the Turbo Close® service that enables 5-day closings. The product suite includes specialized loan types for different scenarios: Commercial Bridge Loans and Bridge to Permanent Loans for transitional financing; Fix-and-Flip Loans and Rehab Construction Loans for residential renovation projects; Private Line of Credit for flexible access to capital; Cash-Out Refinance Loans for accessing property equity; and Cannabis Property Loans for the specialized cannabis real estate market. The company also provides investor services including an investor portal and RIA verification for accredited investors seeking to participate in mortgage pool funds.
Differentiator
Problem solved
Functional benefit
Brands
- Turbo Close®: A fast-track loan closing service that allows borrowers to fund residential and commercial loans in 5 days or less.
Products and services
- Turbo Close®
Quantifiable outcome
- Over $1 billion in loans originated since 2007
- +2 more outcomes
Companies that use Socotra Capital
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Socotra Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Socotra Capital partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- CBREminorCBRE (Commercial Real Estate Brokerage) is referenced as a partner in business development, referring clients who need hard money financing for commercial real estate transactions. Brian Parker is listed as a contact reference.
- Colliers InternationalminorColliers International (Commercial Real Estate Services) serves as a referral partner for commercial property transactions requiring alternative financing. Aaron Frederick is listed as a contact reference.
- Leonard Development CompanyminorLeonard Development Company (John Leonard) is referenced as a development partner working on projects that may involve Socotra Capital financing.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Socotra Capital competitors and assessment
Company assessmentEmerging players
- Visio Financial Services: Visio (formerly LendingOne) provides rental portfolio and fix-and-flip financing to real estate investors. It is a smaller, more regional player that intersects with Socotra on the rental and short-term bridge loan segments.
- Aero Home Loans: Aero Home Loans provides private money and hard money loans focused on California and select Western markets. It is a smaller regional private lender with overlapping product offerings and geographic focus.
Direct peers
- Anchor Loans: Anchor Loans is one of the largest private mortgage lenders for residential fix-and-flip and new construction investors in the Western U.S., directly competing with Socotra in California and the Western region.
- Kiavi: Kiavi (formerly Asset Avenue) is a tech-enabled private real estate lender offering bridge and rehab financing to investors. Comparable in scale and target market to Socotra's investor-lending core.
- LendingHome: LendingHome is one of the largest online private real estate lenders in the U.S., originating bridge and fix-and-flip loans to real estate investors. It is the most direct fintech-era comparable to Socotra's core fix-and-flip and bridge lending business.
- Lima One Capital: Lima One Capital is a national private money lender focused on fix-and-flip, rental, and bridge loans for real estate investors. It competes with Socotra across the same borrower segments and product types.
- RCN Capital: RCN Capital is a nationwide private lender providing fix-and-flip, rental, and bridge loans to real estate investors. Its product set, investor target, and direct-lending model closely mirror Socotra's offerings.
- New Silver Lending: New Silver is a fintech private real estate lender offering fix-and-flip and rental portfolio loans. It competes with Socotra's residential rehab and rental/investor-focused products via a more digitized origination experience.
- Patch of Land: Patch of Land is a private real estate lending marketplace originating short-term bridge and fix-and-flip loans. It overlaps directly with Socotra's bridge, fix-and-flip, and rehab product set.
Broad incumbents
- PeerStreet: PeerStreet operates a broader real estate debt marketplace offering short-term debt investments across multiple lender partners. While not a single-firm direct lender, it overlaps with Socotra's investor-side value proposition in real estate-backed private debt.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Socotra Capital social profiles
Digital presenceSocotra Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Socotra Capital leadership team
Management profileNumber of profiles
Profiles12 records
Socotra Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Socotra Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Socotra Capital
What does Socotra Capital do?
Socotra Capital is a direct private money (hard money) lender that originates short-term, real estate-secured loans for investors, developers, and property owners. Loan products include Turbo Close® (5-day closings), Commercial Bridge Loans, Fix-and-Flip Loans, Private Line of Credit, Bridge to Permanent Loans, Cash-Out Refinance Loans, Cannabis Property Loans, and Rehab Construction Loans, with loan sizes typically between $100,000 and $20 million and rates of 8–18%. The company also operates an investor platform that pools accredited investor capital to fund its lending activities.
Is Socotra Capital a public or private company?
Socotra Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Socotra Capital founded?
Socotra Capital was founded in 2007. It employs 11 to 50 people.
Where is Socotra Capital based?
Socotra Capital is headquartered in Causeway Bay, Hong Kong SAR China, in the Asia region.
How does Socotra Capital make money?
Two revenue lines are on record. Interest Income from Hard Money Loans are the primary driver. The others are loan Origination Fees.
Who are Socotra Capital's main competitors?
Emerging players on record are Visio Financial Services and Aero Home Loans. Direct peers are Anchor Loans, Kiavi, LendingHome, Lima One Capital, RCN Capital, New Silver Lending and Patch of Land. PeerStreet is listed as a broad incumbent.
Does Socotra Capital have an API?
No public API is recorded for Socotra Capital.
What industry is Socotra Capital in?
Socotra Capital's product category is Hard Money Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 52222 and its SIC code is 6162.