Interest
16%
The rate. We do not dress it up.
Hard money · Cabo San Lucas / Los Cabos
Money loan Cabo for foreigners who want to buy or build.
Mexican banks will not. We will. Hard money. Private funding in Cabo San Lucas and Los Cabos. Sixteen percent. Collateral has to be twice the asked loan. And at least a million. Buy the house. Build the house. Same terms.
- Interest
- 16%
- Minimum collateral
- $1M USD
- Collateral vs loan
- 2×
The problem
A Cabo home loan for foreigners is not what Mexican banks do.
It is very hard for a non-resident to get a loan in Cabo San Lucas — to buy a house, or to build one. Mexican banks generally will not fund foreigners. Cash is the default. That is the gap a money loan in Cabo is supposed to fill.
You can find the lot. You can find the house. Then you need capital a bank will not put on a non-resident. Money Loan Cabo is hard money for the purchase, and for the build.
The offer
Hard money loan Cabo — private funding to buy or build.
One product. Hard money / private funding in Cabo San Lucas and Los Cabos. Two uses: buy a house in Cabo, or build one. Same terms either way. For foreigners — primarily US and Canada — who already know the banks will not do this.
Not a payday shop. Not a rate card with twelve flavors. Not crypto. Collateral-backed capital so the purchase closes, or the house actually goes up.
The terms
Money loan Cabo terms. Sixteen percent. A million in collateral. Twice the asked loan.
Casey’s numbers. Same for a purchase and for a construction. Everything else — structure, timing, how the collateral sits — we talk terms.
Minimum collateral
$1,000,000 USD
The floor. Real collateral. That is the least we look at.
Collateral vs loan
2×
Collateral has to be twice the asked loan. A $500k loan needs $1M collateral. Buy or build — same rule.
Use
Buy or build
Purchase a home in Cabo, or construct one. Same 16%. Same million floor. Same 2× collateral.
Where
Los Cabos
Cabo San Lucas and Los Cabos. That is the map.
How it works
How private funding in Los Cabos works.
01
Tell us the house
What you are buying or building. The form on this page is enough to start a conversation.
02
Collateral review
We look at what stands behind the funding. Collateral has to be twice the asked loan. And at least a million. A $500k loan needs $1M collateral. If that is not there, we say so.
03
We talk terms
Interest is 16%. Collateral is double the asked loan, minimum one million. Same whether you buy or build. The rest is a conversation — not a PDF of invented points or term lengths.
04
We fund it
Private capital for the purchase, or for the construction. You buy the house, or you build it. That is the use.
Villa del León, Pedregal, under construction
Buy the house. Build the house. We fund both.
Cabo San Lucas. Los Cabos. Private capital for foreigners who came here to buy or build the house, not wait on a bank that will never say yes.
Who it’s for
Cabo construction loan for foreigners — and financing to buy a house in Cabo.
For
- Foreigners, primarily US and Canada, buying or building in Cabo / Los Cabos.
- A purchase or a construction — the house, the lot, a property you can name.
- Collateral of at least $1,000,000 USD, and twice the asked loan.
- People who already know a Mexican bank will not do this for a non-resident.
Not for
- Unsecured loans. If there is no collateral, there is no conversation.
- Small personal loans, payday money, or anything under a million in collateral — or collateral that is not double the asked loan.
- A use that is not buying or building a home in Cabo / Los Cabos.
- Anyone looking for a bank, a charter, or a rate other than 16%.
Questions
Money loan Cabo questions.
Can foreigners get a money loan in Cabo? Hard money versus a bank? Buy and build? Why 16%? Why 2× collateral? Why a $1M minimum? The terms are the terms. No invented licenses. No fake reviews.
Can foreigners get a money loan in Cabo?
Yes. That is the product. A money loan in Cabo San Lucas and Los Cabos for foreigners — primarily from the US and Canada — who want to buy a house or build one. Mexican banks generally will not lend to non-residents. We will. Hard money. Private funding. Subject to collateral review.
What is a hard money loan in Cabo versus a bank loan?
A Mexican bank loan is generally not available to foreigners buying or building in Cabo San Lucas. A hard money loan Cabo is private capital, secured by real collateral, outside a bank’s box. Interest is 16%. Minimum collateral is $1,000,000 USD. Collateral must be twice the asked loan. Not a bank. Not a charter.
Do you fund buying a house in Cabo and a Cabo construction loan for foreigners?
Both. Financing to buy a house in Cabo, and a Cabo construction loan for foreigners who want to build. Same terms either way: 16% interest, collateral twice the asked loan, and at least $1,000,000 USD. We do not split this into two products or two rate cards.
Why 16%?
Because this is private capital for a purchase or a build Mexican banks will not take on for non-residents. Sixteen percent is the rate — for a buy, and for a build. We will talk the rest of the terms when we see the collateral.
Why does collateral have to be twice the loan?
Collateral has to be twice the asked loan. A $500k loan needs $1,000,000 USD in collateral. Ask for more than $500k and the collateral has to scale with it — double the loan, never under a million. Same 2× rule for a purchase and for a construction.
Why is the minimum collateral $1,000,000 USD?
This is not a small personal loan. The floor on a money loan in Cabo is one million US dollars in collateral, whether you are buying or building. If the lot or property cannot support that, we are not the fit.
Is this private funding in Los Cabos and Cabo San Lucas only?
Yes. Private funding in Los Cabos — Cabo San Lucas and the rest of Los Cabos. That is the map. Buy or build. Foreigners. Same terms.
Request funding
Tell us what you’re buying or building.
Name, email, phone if you want, and what you’re buying or building. Submit and it is emailed to us. We review collateral. Then we talk terms.