Toll Free: 1-800-308-4961

Commercial Loans

Home Loans, Commercial Loans, CA Residential Loans, Hard Money Loans


First question is whether primary purpose of the loan is for business or consumer use.  If the loan is primarily for business purposes we are provided more latitude in using equity (collateral) as a mitigating factor against other possible deficiencies.

Rules have changed!

If reason for loan is primarily for consumer purposes, even if commercial property is used as collateral, lenders must verify that the borrower has reasonable ability to pay.

We can lend as little as $30,000, always offer personalized service, and as a direct lender we maintain the ability to make decisions instantly.

The property’s value, not the borrower’s credit is most important. With sufficient equity (collateral) we can usually fund your loan immediately.

Loans primarily for business purposes with large cushions of equity couldn’t get any easier. No formal 1003 loan application, no tax returns, no profit and loss statements.

Home Loans, Commercial Loans, CA Residential Loans, Hard Money Loans

Loans for all property types:

  • Residential

  • Commercial

  • Industrial

  • Apartment Buildings (Any Number of Units

  • Non-Conforming

  • Construction

  • Retail

  • Office Buildings

  • Mixed-Use

  • Multi-Family

  • Single Tenant or Owner-User

  • Self Storage or Mini Storage Facilities

  • Mobile Home Parks


  • Broker Friendly – Commissions are protected!

  • Low Origination Fee

  • No Minimum FICO Credit Score Requirement

  • Always Fixed Rates

  • Up to 20 Year Term Available

  • Interest Only or Amortized Payments

  • Quick Funding – Our Specialty

  • Direct Lender – In House Underwriting

Please contact us to hear more about our competitive loan options.

Common Sense Underwriting
Based Primarily on Equity

Purchase or Refinance

Owner or Non-Owner Occupied
Salaried, Self-Employed or Retired

Loans for Any Purpose
Consumer or Business Use

Homes – Mixed-Use – Commercial
Apartment Buildings – Retail – Industrial

All Credit Accepted
No Minimum FICO Credit Score

Since 1979

Toll Free: 1-800-308-4961

Real Estate Broker
California Department of Real Estate License #746683
Nationwide Mortgage Licensing System ID #348288

California Mortgage AssociationEqual Housing Opportunity Lender