Direct Lender, In-House Processing
Approvals Within Minutes
Loans Up To $10MM
Purchase, Refinance, Cash-Out
LLC, Corp, Trust Deeds OK
No Pre-Payment Penalty
Referral Program Available
Serving California Since 1990
Minimal Paperwork Fast Closing
No Bank Statements, No DSCR Requirment
Get Funded In As Little As 2 Weeks
No Tax Returns, Stated Income
We are a DIRECT LENDER. We close loans quickly and reliably in as little as 14 days, while banks, and other lenders take up to 30 – 90 days to close a loan.
With a straightforward application and only one approval signature needed, we can approve your loan within MINUTES. We simplify the loan process to fund and close your loan FAST.
We are a renowned CALIFORNIA private money lender. Our loans are funded throughout Arizona and California including, Orange County, Los Angeles, San Francisco, Riverside, San Diego, Fresno, Bakersfield, San Bernardino and all CALIFORNIA.
As a direct private lender with extensive experience in multi-family loans, commercial loans, SBA loans, residential loans, we have funded over $10+ billion, served over 10K+ clients, and understand all kinds of loan scenarios. We offer individually structured bridge lending solutions for all types of borrowers (LLC, General Partnerships, Trust, Corp, etc) on almost all property types, and up to 100% financing.
We have an excellent track record as a direct private money lender. Our clients, brokers, and, real estate agents trust us to provide first-class service, low fees, competitive rates, and our ability to close quickly.
As a direct private money lender, we utilize our own capital. We process, underwrite and fund all loans in house.
When is a Private Money Loan / Hard Money Loan appropriate ?
Limited Time Frame:
You need a loan without the cumbersome loan process of traditional banks.
You need to close quickly.
You found a great property and you want to compete with an all cash offer.
Limited Loan / Capital Amount:
You want to buy an investment property but do not have enough money. You do not qualify for traditional bank financing and need to close quickly.
You applied for a loan with another lender and the loan dollars were cut and you need more money quickly.
You have not sold your existing home but have found your dream real estate property and need money fast. Traditional bank financing is generally not an option because your current home is listed.
No Tax Returns, Stated Income:
Suppose you have significant income and assets that are difficult to document. This is one of the most flexible lending options available to real estate investors. Why? There is no income document, no tax returns, and this makes it easier to get a loan if you’re self-employed.
Residential / Multi-Family / Commercial
1-4 units; Duplex, Triplex, 4-plex
Apartment Buildings, Commercial Properties
Mobile Home Parks
Mixed Use Properties
Retail, Office, Industrial
Retail Strip Centers, Shopping Malls
Manufacturing, Warehouses, Distribution Centers
Car Wash Centers, Gas Stations, Supermarkets
Office Buildings, Medical Offices
Parking Lots, Land & more
Hotels, Motels, B&Bs
Child Daycare Centers
Senior Care Facilities
• No tax returns, Stated Assets
• Serving California since 1990
• Self-funded Bridge Loan Lender
• Quick closing as little as 14 days
• 6 – 24 Mo. loan terms
• Approvals within minutes
• No DSCR requirement
• No prepayment penalty
• Rates starting at 7.50% *
Reasons To Call Us
• Need a quick close
• Bank turn downs
• Need more loan proceeds
• Execution and reliability
• Need funds to renovate properties
• Need lower rate and fees than other Bridge Loan options
• Distressed properties
• Vacant properties
Private Money Loans Funded By Fidelity Bancorp Funding
* The 7.50%+ bridge loan rate is based on the following assumptions; 12 month term on a $500,000 loan and an origination fee of 1%+. Interest-only payments for 11 months with final payment of all principal, remaining interest and fees. Terms may vary based on your particular situation investment properties only, purchase, cash-out or rate/term transaction.
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