Four programs, up to $75M
Private and bridge, commercial, construction and multifamily financing for California real estate — loans up to $75 million.
Licensed Private Lender · California
California Private Money, Commercial & Construction Lender
The financing partner who actually picks up the phone.
Private money, commercial, construction and multifamily loans — approval in as little as 24 hours and funding in as little as seven days, subject to a complete file, underwriting, title review and property valuation. Real people, real numbers, since 2002.
Answered by a real person during business hours — or apply online any time.
BBB A+ RatingEqual Housing Lender
Indicative TermsAll Programs
Approval*in as little as24 hours
Funding*in as little as7 days
Max Loan*$75M
Private and institutional capital for luxury residential, commercial, construction and apartment properties.
Rates and terms shown are indicative, subject to change without notice, and subject to underwriting approval. This is not a commitment to lend.
*Subject to terms and conditions, a complete file, underwriting approval, title review and property valuation.
$756M+
Funded to Date
7
Average Days to Fund
24
Years, Since 2002
Why Borrowers Trust Us
Six reasons people call before they call anyone else.
We move at your pace
Approval in as little as 24 hours and funding in as little as seven days, once the file is complete.
A real office
Torrance, California. Come in, or call and a person picks up.
A+ rated with the BBB
Accredited Business status with the Better Business Bureau, current rating A+.
Your information stays yours
We never sell your information, and we never share it with anyone for their own marketing. Loan-related sharing with title, escrow, appraisal and servicing partners is set out in our Privacy Policy.
24 years, $756M+ funded
In business since 2002, funding private, commercial, construction and multifamily loans across California.
Loan Programs
Four programs, one fast underwriting desk.
Every file is read by the same desk that signs off on it. No committee, no handoff to a branch three states away.
Knowledge Center
Real Estate Lending Insights
Research notes from our underwriting desk on private money lending, commercial real estate financing, construction financing, bridge loans and multifamily lending — written for borrowers and brokers.
What Is a Hard Money Loan in California? A Plain-English Guide
A hard money loan is a short-term loan secured by real estate and underwritten on equity. Learn how it works in California, who uses it and what to ask.
Read →Ground-Up Construction Financing in California: What Lenders Review
What a ground-up construction lender looks at in California: land, plans and permits, budget, sponsor and contractor, draws and conversion to a permanent loan.
Read →Multifamily Bridge Loans in California: How They Work
How multifamily bridge loans work in California: in-place and projected NOI, occupancy, unit mix, reserves, and exiting to agency or bank financing.
Read →Referral Partners
Refer a client, keep the relationship.
Brokers and referral partners are paid on time, protected from disintermediation, and never sold or passed to anyone for marketing. If your client comes back to us, they are referred back to you.
Submit a Referral →Common Questions
Answered plainly, no fine print.
Still have questions?
(800) 943-1314 →
Yes. We're licensed, and we're an accredited, A+ rated business with the Better Business Bureau.
Approval can come in as little as 24 hours, and funding in as little as seven days, once the file is complete. Timing depends on underwriting, title review and property valuation.
We never sell it, and we never share it with anyone for their own marketing. Completing a loan does require sharing information with the parties the transaction needs — title, escrow, appraisal and loan servicing — and with regulators where the law requires. Our Privacy Policy sets out exactly who and why.
We're based in Torrance, California, and primarily fund California real estate; our broker referral network reaches partners nationwide.
Call us at (800) 943-1314 and describe the property and timeline. We'll point you to Private, Commercial, Construction or Multifamily financing, or tell you honestly if it's not a fit.
Our programs are built for investment and business-purpose real estate — luxury residential held as investment, commercial, construction and multifamily. Call us with the specifics and we'll tell you straight away whether it fits.
A private money loan is financing secured by real estate and underwritten mainly on the value of the property and the equity in it, funded by a private lender rather than a bank. We offer private money and bridge loans against luxury residential, commercial and apartment properties for borrowers who need certainty of close more than a bank's timeline.
We finance construction on luxury residential, apartment, retail, commercial, industrial and hotel properties, up to 90% of loan-to-construction-cost. When construction completes, the loan converts into a permanent loan at conventional rates — one underwriting desk from breaking ground to stabilization. See our construction financing program for details.
At a minimum, we look at the property, the borrowing entity, title, value support, your exit plan and insurance. Our Documents page and this practical checklist cover what typically speeds a file up.
Ready to talk about your deal?
Send us the file. We read it the same day, and a real person picks up the phone.