Loading Additional Profile Sections...
Direct Private Lender for Property Investors – Reliable, Quick, Easy
Purchase Bridge | Fix & Flip | Buy & Hold | Cash Out Refinance | Wholesale Transactional Financing
We provide funding for non-owner occupied real estate investments in California, Colorado, Oregon, Utah. Our extensive experience as investors allows us to provide fast approval. We are self-funded and able to move very quickly. We have an online portal where can get instant access to multiple loan options and pricing within clicks. You’ll have complete visibility of your loan request and term sheets.
Borrowers must have experience with real estate investing. For rehab loans, at least 2 projects must have been completed in the past 12 months.
Please note: we do NOT offer loans for owner-occupied homes.
Property Geographic Area Details
Arizona, California, Colorado, Washington, Oregon, Utah
Loan Amounts
$50,000 to $5,000,000
Interest Rates
8% to 15%
Max Loan-To-Value
70.00%
Max Loan-To-Cost
100.00%
Origination Fees
1% to 3%
Loan Terms
1 months to 12 months
Lien Position
- 1st
Loan Purpose
- Investment Acquisition
- Investment Refinance
- Improve Subject Property
- Use Equity to Invest in Another Property
- Value Add Project
Property Occupancy
- Vacant
- Tenant Occupied 100%
Property Types and Loan Types
Collateral Types
- Residential Property
- Commercial Property
- Commercial Property Ground Lease
Property Types
- 2-4 Units Residential
- Agricultural
- Assisted Living Facility
- Bed and Breakfast
- Cannabis Dispensary
- Cannabis Grow Facility
- Club
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home Park
- Motel
- Multifamily
- Office
- Parking Lot
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Storage Facility
- Vehicle Parking
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Specialty Loan Types
- Land Development
- Cannabis Use Properties
- Residential Equity Share
- Transactional Funding
Agribusiness Loan
Agribusiness Types
- Cannabis
Will Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
70.00%Cannabis Property Use Type
- Cultivation
- Retail Dispensary
- Retail Sales
- Manufacturing
- Processing
- Production
Land Loan
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
- Cannabis Use Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
30.00%Max LTC for Land Acquisition
50.00%Purchase Loan
Max Loan-To-Purchase Price
100.00%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Crowdfunding
- Family
Rehab Value Add Loan
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100.00%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
1Maximum After Repair Value
70.00%Construction Loan
Development Experience Required
noMinimum Number of Ground-Up Construction Projects Completed by Borrower
0Max LTC for Ground-Up Construction Costs
100.00%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
noDetails and Requirements
Typical Closing Time (Days)
10Fastest Closing Time (Days)
2Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
Pre Payment Penalty
no
Will lend to a foreign national
yes
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
yesWill Consider Collateralizing Multiple Properties in One Loan
noWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- Individual(s)
- LLC
- Limited Partnership
- Trust
- Corporation
Appraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
SometimesBroker Price Opinion (BPO) Accepted for Residential Property
NeverBroker Price Opinion (BPO) Accepted for Commercial Property
NeverFees
Processing Fee
$850
Documents Fee
$450 First Trust Deed Documentation
Extension Fee
6 month extension for 2 points
Appraisal Fee
1 full appraisal at cost for loans over $700,000
Other Fee
Servicing Fee of $450 for First Trust Deed and $450 for Second Trust Deed
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Documents Fee
Fees which are charged upfront prior to loan closing
- Underwriting Fee
- Documents Fee
- Inspection Fee
Fees which are paid to a third party company
- Appraisal Fee
Additional Details
Loan terms are typically 6 to 12 months. Loans above 70% loan to cost are 6 months only. Rates are blended between a first trust deed at 70% LTC and a second trust deed covering the balance of the loan.
LOW LEVERAGE OPTION
Up to 70% of purchase price
- 6-month loan term
- 10% interest rate
- 3 points
- 12-month loan term
- 12% interest rate
- 3 points
HIGH LEVERAGE OPTION
- Up to 100% of purchase price
- 12% – 15% interest rate
- 3 points
- 6-month term
- Experience required – at least 2 successful flips in past year
WHOLESALE TRANSACTION FINANCING
- Payoff your loan within 30 days or less
- Get a 1 point refund
- Refund of servicing fee
CASH OUT REFINANCE
Up to 65% of current value
- 6-month loan term
- 10% interest rate
- 3 points
- 12-month loan term
- 12% interest rate
- 3 points
BUY & HOLD PURCHASE
- Up to 70% of purchase price
- 24 months term
- Starting at 9%
- 3 points
BUY & HOLD REFINANCE
- Up to 75% of appraised value
- 24 months term
- Starting at 9%
- 3 points
Arch Bridge Loan Timeline
- Obtain Quote (1 Business Day)
Borrower requests quote via website.
Borrower must provide purchase price, ARV, and rehab amounts.
Originator sends LOI within 1 business day. - Loan Approval (7 Days)
Borrower completes and submits loan app online.
Appraisal is ordered and file is sent to underwriting.
Underwriter reviews app to verify ARV and rehab, as well as the quality of the borrower and the deal. - Loan Closing
Loan committee approves and loan docs are sent to escrow within 24 hours.
Once pre-funding conditions are met, loan is funded.
A 24 hour notice from escrow/title is required prior to funding.
ARCH Loans (formerly ARCH Bridge Loans) seeks to be the preferred debt partner offering private loans to real estate investors in California, Colorado, Nevada, Oregon, Utah and Washington State by being the easiest, most reliable, and most professional bridge loan provider to do business with. Our loan programs provide the capital you need to grow your business, and improve the local community.
Our Principals and Executive Team are highly accomplished members of the real estate and finance industries. We have deep experience in the California residential and commercial markets. Team members have underwritten over $2 billion in commercial and residential loans in the local market. Also, each team member has significant experience as an active equity investor, and understands our clients’ perspectives. Our experience and background gives us the unique ability to assess projects in a timely and fair manner, to be creative in the finance structure, and to fund each loan directly with immediately available capital.
License
CA DRE Lic. 01980596
Year Established
2013
Office Locations
Headquarters567 San Nicolas Drive, Suite 230, Newport Beach, California 92660
Colorado Office
12191 W 64th Ave Ste 306, Arvada, CO 80004
Primary Capital Source
- Own Funds
- Debt Fund We Manage
Alternative Capital Sources
- Bank Credit Line
Loan Structure for Majority of Loans
- Own Balance Sheet
Percentage of company’s lending business focused on private mortgage
100%
Percentage of Loans Secured by Commercial Property
10%
Percentage of Loans Secured by Residential Property
90%
Percentage of Residential Property Loans Which are Fix and Flip
90%
Percentage of Residential Property Loans Which are Buy and Hold
10%
Percentage of Loans Secured by Land
5%
Total Number of Loans Funded to Date
900
Total Loan Volume Funded to Date
$250,000,000
2017 Number of Loans Funded
230
2017 Loan Volume Funded
$70,000,000

Mike Blumenkranz
Loan Origination
CA DRE Lic. - 01980596

TJ Coveyou
Co-Founder and Managing Partner
CA DRE Broker Lic. - 01856812

Mike Monaco
Vice President
Completed Transactions
ARCH Bridge Loans
Sacramento, CA
$116,000
Refinance
ARCH Bridge Loans
Sparks, NV
$238,517
Purchase
ARCH Bridge Loans
San Diego, CA
$320,000
Purchase
ARCH Bridge Loans
Corona, CA
$400,000
Purchase
ARCH Bridge Loans
Fontana, CA
$244,350
Purchase
ARCH Bridge Loans
Clovis, CA
$340,000
Purchase
ARCH Bridge Loans
Los Angeles, CA
$293,818
Purchase
ARCH Bridge Loans
Sacramento, CA
$312,000
Purchase
ARCH Bridge Loans
Grayland, WA
$285,000
Equity Cash Out
ARCH Bridge Loans
Gardnerville, NV
$350,000
Purchase
ARCH Bridge Loans
Las Vegas, NV
$137,000
Purchase
ARCH Bridge Loans
Pleasant Hill, CA
$550,000
Residential Fix and Flip
ARCH Bridge Loans
San Leandro, CA
$505,000
Purchase
ARCH Bridge Loans
Denver, CO
$150,000
Purchase
ARCH Bridge Loans
Villa Park, CA
$910,000
Purchase
ARCH Bridge Loans
Sedro-Woolley, WA
$89,000
Purchase
ARCH Bridge Loans
Los Angeles, CA
$430,000
Purchase
ARCH Bridge Loans
Stockton, CA
$495,000
Equity Cash Out
ARCH Bridge Loans
Corona Del Mar, CA
$1,750,000
Purchase
ARCH Bridge Loans
Canoga Park, CA
$575,000
Purchase
ARCH Bridge Loans
La Habra, CA
$235,000
Purchase
ARCH Bridge Loans
Kensington, CA
$570,000
Purchase
ARCH Bridge Loans
Adelanto, CA
$4,000,000
Commercial Ground-Up Construction
Our Minimum Loan Amount Is
$50,000
What We Do
- Loans for Residential Investment Property
- Lending to Experienced Investors
- Bridge, Flip, Construction, Transactional
- Lending up to 100% of Purchase Price
Not Available
- NO Newbie Investors
- NO Gap Funding or 2nd's
- NO Rural Areas
- NO Owner-Occupied Homes
Loan Request
Our Minimum Loan Amount Is
$50,000
What We Do
- Loans for Residential Investment Property
- Lending to Experienced Investors
- Bridge, Flip, Construction, Transactional
- Lending up to 100% of Purchase Price
Not Available
- NO Newbie Investors
- NO Gap Funding or 2nd's
- NO Rural Areas
- NO Owner-Occupied Homes