Socotra Capital

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.

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

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

• Private money lending
• Hard money loans
• Real estate financing
• Bridge loans
• Fix and flip lending

Headquarters

HQ city

Causeway Bay

HQ country

Hong Kong SAR China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• CBREminorChannel Partner/ Reseller/ DistributorCBRE (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 InternationalminorChannel Partner/ Reseller/ DistributorColliers 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 CompanyminorChannel Partner/ Reseller/ DistributorLeonard 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

Emerging 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

• Xx.com/Socotracapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Socotra Capital