Since 2012, we've funded loans from $100,000 to $10,000,000 on residential and commercial properties across the Western U.S. Three core programs, all principal-decisioned, all structured to your timeline.
Short-term financing for borrowers acquiring or repositioning commercial & multifamily properties before securing permanent debt. Typical use cases: time-sensitive acquisitions, value-add execution, and discounted payoff opportunities.
A residential business-purpose loan is used to purchase an investment property — or for a cash-out refinance where the funds support any business purpose. Eligible properties include fix-and-flip projects, single-family rentals, and small multifamily.
A short-term loan for homeowners purchasing a new primary residence before the sale of their current home — enabling competitive non-contingent offers, top-dollar resale, and access to the best long-term financing.
A quick side-by-side. Final terms are structured to the specific deal — these are typical ranges, not hard caps.
| Commercial Bridge | Residential BPL | Owner-Occupied Bridge | |
|---|---|---|---|
| Loan size | $500K – $10M | $100K – $5M | $250K – $5M |
| Term | 6 – 24 months | 6 – 18 months | 6 – 12 months |
| Max LTV | 65 – 70% | 70% LTV / 75% LTPP | 65% CLTV |
| Asset types | Multifamily, Office, Retail, Industrial, Mixed-Use | 1–4 SFR, Condo, Townhome | Primary residence (any 1–4 SFR) |
| Typical use | Acquisition, refi, value-add | Fix & flip, rental, cash-out | Buy before you sell |
| Typical close | 7–14 days | 5–10 days | 7–14 days |
| Documentation | Asset-focused, light borrower docs | Asset-focused, light borrower docs | Asset + ability-to-repay |
A flat decision structure means we move at the speed of the principal who picks up your call. Most loans close in under two weeks.
Submit the property and the request. A principal reviews and calls back the same day with directional feedback.
Signed term sheet with rate, points, term, advance rate, and conditions to close. No surprises later.
Appraisal or BPO, title, insurance, and entity docs in parallel. We drive the file — your originator is the single point of contact.
Docs signed, wire sent. Most files close in 5–14 days depending on diligence and timing of third-party reports.
Loan serviced in-house. Extensions, modifications, and payoff requests handled directly by the principals who underwrote the deal.
No call queues, no chatbots. The originator who structured your deal is the same person who answers when you call.
Most inquiries receive a same-day callback. Signed term sheets typically within 48 hours.