We offer unconventional loans for California real estate...

We offer equity-based, business purpose loans secured by properties located in California.  Our loans range from $80,000 to $2,000,000.  We offer competitive rates and fees. 

We work with a wide variety of property types
  • Residential:  single family homes, condos, townhomes, multi-family 2-4 units

  • Commercial: multi-family 5+ units, office & retail condos, office & retail buildings, light industrial

We offer flexible qualifying, sensible underwriting
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  • Residential:  single family homes, condos, townhomes, multi-family 2-4 units

  • Commercial: multi-family 5+ units, office & retail condos, office & retail buildings, light industrial

We require the following to provide our pre-approval
  • Completed, signed, and dated loan application

  • Last 2 years' tax returns for the borrowers and guarantors

  • Signed and dated credit authorization

  • Business entity documents, if any

We review each loan on a case-by-case basis using these 8 factors
  • Bankruptcy Status

  • Criminal History (Crimes of Moral Turpitude)

  • Pending or Threatened Unpaid Judgments

  • Federal or State Tax liens

  • Foreclosure Proceedings (Property Owner)

  • Your Credit

  • Your job History

  • Available Funds

If your loan scenario is an especially good one (e.g., high equity), credit, job history and available funds will not be a factor to determine approval or lending terms.

We are an equal opportunity lender.  All loans are subject to underwriting and credit approval.