Loan Programs

Investor Loan Programs

Pacific Capital Funding Corp. provides fast, equity-based financing for real estate investors and developers. Every program below is a business-purpose loan secured by non-owner-occupied investment property. We underwrite around the asset and the deal — not your tax returns — so you can move quickly and close on time. Rates, terms, and availability are subject to change and to underwriting approval; the following are program highlights, not a commitment to lend.

Quick 'n Easy Hard Money
Fix & Flip
Investment Bridge
Ground-Up Construction
Bailout Loans
DSCR Rental
Commercial Bridge
PROGRAM 01

Quick 'n Easy Hard Money — Bridge or Fix & Flip

Funded fast for time-sensitive deals.

PROPERTY TYPES
Investment SFR, condos, 2–4 units
LTV
SFR up to 70%; 2–4 units, condos & all cash-out up to 65%
Minimum FICO
No minimum
Term
1 year
Payments
Interest only
Prepayment
No-prepayment-penalty options available
Borrower
Entity (LLC/Corp) OK; full-recourse loans
Purpose
Investment SFR, condos, 2–4 units
Funding Time
5 to 10+ days (some loans may take longer)
Loan Amount
$100,000 to $5,000,000+
Rates
Starting at 9.5%
Availability
California — major MSAs only (no rural)
Program 02

Fix & Flip Loans — Up to 90% of Purchase Price

Maximum leverage for qualified flippers.

PROPERTY TYPES
Investment SFR, condos, 2–4 units
LTV (Purchase)
Up to 90%
Loan-to-ARV
Up to 75%
Rehab Funds
100% of rehab
Minimum FICO
650+
Term
12, 18, or 24 months
Payments
Entity (LLC/Corp) OK; full-recourse loans
Prepayment
Investment SFR, condos, 2–4 units
Borrower
Entity (LLC/Corp) OK; full-recourse loans
Purpose
Business purpose, non-owner-occupied only
Experience
Not required with minimum FICO 680+
Funding Time
Residential: 14 to 25+ days
Loan Amount
$200,000 to $5,000,000
Availability
Multi-state (see availability list above)
PROPERTY TYPES
Investment SFR, condos, 2–4 units
Program 03

Investment Bridge

Short-term financing to acquire or reposition before permanent financing or sale.

PROPERTY TYPES
Investment SFR, condos, 2–4 units
LTV
Purchase, rate/term refi, or cash-out up to 70%
Minimum FICO
650+
Term
1 to 2 years
Payments
Interest only
Prepayment
No prepayment penalty
Borrower
Entity (LLC/Corp) OK; full-recourse loans
Purpose
Business purpose, non-owner-occupied only
Funding Time
Residential: 14 to 21+ days
Loan Amount
$200,000 to $1,500,000
Rates
Starting at 9.99%
Availability
Multi-state (see availability list above)
Program 04

Ground-Up Construction

Financing to build investment SFR and small multifamily from the ground up.

PROPERTY TYPES
Investment SFR, 2–4 units
Loan-to-Cost
Up to 85%
Loan-to-ARV
No minimum
Minimum FICO
650+
Term
12, 18, or 24 months
Payments
Interest only
Prepayment
No-prepayment-penalty options available
Borrower
Investment SFR, condos, 2–4 units
Purpose
Business purpose, non-owner-occupied only
Experience
At least 2 projects sold within the last 36 months
Funding Time
Residential: 15 to 25+ days
Loan Amount
$400,000 to $5,000,000
Rates
Starting at 10.5%+
Availability
Multi-state (see availability list above)
Program 05

Bailout Loans

For borrowers in foreclosure or with an NOD filed — bad credit OK.

PROPERTY TYPES
Investment SFR, condos, 2–4 units
LTV
Up to 60%
Minimum FICO
No minimum
Term
1 year
Payments
Interest only
Borrower
Entity (LLC/Corp) OK; full-recourse loans
Purpose
Entity (LLC/Corp) OK; full-recourse loans
Situations
In foreclosure, NOD filed, bad credit accepted
Funding Time
7 to 14+ days (some loans may take longer)
$400,000 to $3,000,000+
Rates
Starting at 11.99%
Availability
California — major MSAs only (no rural)
Program 06

30-Year Rental Property Loan (DSCR)

Long-term rental financing qualified on property cash flow — no personal income docs.

PROPERTY TYPES
Rental SFR, condos, 2–4 units, or multifamily 5–8 units
LTV (Purchase / R&T Refi)
Up to 80%
LTV (Cash-Out Refi)
No minimum
Minimum FICO
640
Term
30-year fixed or ARM options
Payments
Fully amortized or interest-only options
DSCR
1.0+ or No-Ratio option
Income Docs
No tax returns or personal income verification
Borrower
First-time investors allowed; multipurpose LLCs allowed
Reserves
As little as 3 months
Occupancy
Vacant OK — may use market rents
Loan Amount
$200,000 to $5,000,000
Rates
From 6.125%+
Availability
Multi-state (confirm full list with broker)
Program 07

Commercial Bridge

Short-term financing for commercial and mixed-use assets.

PROPERTY TYPES
Multifamily, mixed-use, industrial, office, retail
LTV
Purchase / R&T refi up to 65%; cash-out refi up to 60%
Minimum FICO
600+
Term
1–3 years; longer terms may be available
Payments
Interest only
Repayment
No-prepayment-penalty options available
Occupancy
Owner- and non-owner-occupied / vacant
Occupancy
Owner- and non-owner-occupied / vacant
Funding Time
21 to 30+ days
Loan Amount
$250,000 to $5,000,000
Rates
Starting at 10.5%+
Availability
California — major MSAs only (no rural)

Disclosure: All programs are for business-purpose loans secured by non-owner-occupied investment real estate. Pacific Capital Funding Corp. does not make consumer-purpose or owner-occupied residential loans. All rates, terms, LTVs, loan amounts, funding times, and program availability are estimates, subject to change without notice, and subject to underwriting and property approval. This is not a commitment to lend. California DRE License #01217444 · NMLS ID #1984285.

Frequently Asked Questions

  • Why is Pacific Capital Funding Corp. so popular?

    Pacific Capital Funding Corp. stands out as a leading private money lender in the Greater Los Angeles Area due to its commitment to offering tailored and competitive funding solutions. Our popularity stems from our ability to bridge the gap between real estate investors and those seeking private money lender opportunities. As a trusted private money lender, we focus on serving equity-rich business owners, landlords, investors, and developers with less-than-perfect financials, providing options they often can't find elsewhere. Our streamlined processes ensure same-day approval, with loans closing in five days or less, making us a sought-after private money lender option. Our unwavering professionalism, excellent customer service, and the high level of ethics we maintain have earned us the trust of clients and investors alike. Discover how our private money lender services can meet your needs by reaching out to us today!

  • Where can I find a reliable private money lender in the Greater Los Angeles Area?

    In the Greater Los Angeles Area, finding a reliable private money lender is essential for securing quick and efficient financing. At Pacific Capital Funding Corp., we provide exceptional services that cater to real estate investors looking for fast loan approvals and efficient loan closings. Our commitment to professionalism and ethical standards ensures that each loan is thoroughly vetted by our team of experts. With our streamlined processes, most loans close within five days, making us a preferred choice for private money lending in the region. Contact us today to discuss your lending needs and experience our superior service!

  • How does a bridge loan work for real estate investments?

    A bridge loan is a short-term financing option used to "bridge" the gap until longer-term financing can be arranged or the underlying property is sold. It allows real estate investors to purchase new properties while waiting for their current ones to sell. At Pacific Capital Funding Corp., our bridge loans are secured by the current or newly acquired real estate, providing you with the financial leverage needed for successful investments. Our efficient processing and in-depth asset assessments ensure that funds are available quickly. To learn more about our unique approach to bridge loans, reach out to our team today!

  • What are the benefits of private money lending for business owners?

    Private money lending offers numerous benefits for business owners, particularly those facing challenges with conventional financing. It provides access to capital based on equity rather than income or credit scores, making it ideal for equity-rich businesses. At Pacific Capital Funding Corp., we offer customized loan options that meet the unique needs of each client, ensuring flexibility and competitive terms. Additionally, our local expertise and streamlined processes mean faster approvals and closings. Let us support your business growth with our tailored financial solutions—contact us to get started!

  • What is the underwriting process for private money loans?

    The underwriting process for private money loans involves thorough research, examination, and evaluation of the associated real estate asset. At Pacific Capital Funding Corp., each loan undergoes meticulous underwriting, followed by a personal review by one of our executive members. This attention to detail ensures the security and efficacy of our investments. Our streamlined process not only safeguards investors but also facilitates quick approvals for borrowers. Contact us to discover how our underwriting process can work for you!

  • How does Pacific Capital Funding Corp. support local economic development?

    Pacific Capital Funding Corp. is deeply committed to local economic development by keeping investments within California, particularly across urban and rural areas. By linking local real estate investors with private money lenders, we foster economic growth that benefits the local community. Our professional team works to strengthen the local real estate market by providing fast, reliable funding solutions. Experience our commitment to community and business development by partnering with us for your real estate investment needs!

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