Hard money lending in
Business-purpose bridge loans secured by California real estate, underwritten on the property, the equity, and the use of funds. Instant term sheet, close in 2 weeks.
If it is a real deal, send it.
California is home turf - 1st Private Capital is headquartered in Tarzana and licensed by the California DRE. High-value coastal properties carry serious equity, and in multiple-offer markets the buyer who can close like cash usually wins.
Business-purpose loans secured by real estate in California. Eligibility is driven by the use of proceeds, the property, and the deal - including owner-occupied scenarios where state law permits.
Purchase money at cash-buyer speed, or a refinance that resets the clock while the exit comes together.
Second-position capital behind existing financing the borrower wants to keep in place.
Equity across multiple properties, structured into one loan that gets the deal done.
Bridge capital for retail, office, industrial, and other commercial assets.
Acquisitions, refinances, and repositions across multifamily properties.
Complex, time-sensitive, or unstabilized transactions, structured on the property and the exit.
Instant term sheet. Close in 2 weeks.
Send a scenario and you get an instant term sheet, then close in 2 weeks. Property address, loan amount, value, existing debt, and exit - that is all it takes. No registration portal, no intake queue, no waiting to hear if anyone read it.
A fast no is worth something too. If a California deal does not fit, we say so quickly, so you can place it elsewhere without burning days.
- Property address
- Requested loan amount
- Purchase price or current value
- Existing debt
- Exit strategy
- Target closing date
Business purpose, where permitted.
Licensing obligations are determined by the state in which the property securing the loan is located, not by where we are based. We originate outside California only where we are permitted to do so. See Licensing & Disclosures.
Loans are for business purposes only. Eligibility is determined by the use of proceeds, underwriting, documentation, and applicable law.
When the bridge loan needs a long-term takeout, our DSCR rental loans in California keep the file with one point of contact, and our commercial and mixed-use term loans in California carry the building the rental program cannot take. See the live cash and hard money listings in California, each priced with our financing. If the property needs work first, our fix and flip loans fund the purchase and the renovation together in California.
Put a California deal in front of us.
Send the address, the amount, the existing debt, and the exit. Instant term sheet, close in 2 weeks.