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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%

Max Loan-To-Cost

100%

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

yes

Maximum LTV for Cannabis Use Properties

70%

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

yes

Max LTV for Land

30%

Max LTC for Land Acquisition

50%

Purchase Loan

Max Loan-To-Purchase Price

100%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed 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

Renovation/construction draws are typically provided 24 hours after inspection

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

1

Maximum After Repair Value

70.00%

Construction Loan

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

no

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

2

Works 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

yes

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Fees

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

  1. 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.
  2. 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.
  3. 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.

Apply On Our Website

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.

Apply On Our Website

License

CA DRE Lic. 01980596

Year Established

2013

Office Locations

Headquarters
567 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

License Information
CA DRE Lic. - 01980596

TJ Coveyou

Co-Founder and Managing Partner

License Information
CA DRE Broker Lic. - 01856812

Mike Monaco

Vice President

Completed Transactions

ARCH Bridge Loans

Private Loan Funding
Sacramento, CA
$116,000
Condominium

Refinance

View Transaction

ARCH Bridge Loans

Private Loan Funding
Sparks, NV
$238,517
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
San Diego, CA
$320,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Corona, CA
$400,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Fontana, CA
$244,350
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Clovis, CA
$340,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Los Angeles, CA
$293,818
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Sacramento, CA
$312,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Grayland, WA
$285,000
Single Family Residence

Equity Cash Out

View Transaction

ARCH Bridge Loans

Private Loan Funding
Gardnerville, NV
$350,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Las Vegas, NV
$137,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Pleasant Hill, CA
$550,000
Single Family Residence

Residential Fix and Flip

View Transaction

ARCH Bridge Loans

Private Loan Funding
San Leandro, CA
$505,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Denver, CO
$150,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Villa Park, CA
$910,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Sedro-Woolley, WA
$89,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Los Angeles, CA
$430,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Stockton, CA
$495,000
Mixed-Use

Equity Cash Out

View Transaction

ARCH Bridge Loans

Private Loan Funding
Corona Del Mar, CA
$1,750,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Canoga Park, CA
$575,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
La Habra, CA
$235,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Kensington, CA
$570,000
Single Family Residence

Purchase

View Transaction

ARCH Bridge Loans

Private Loan Funding
Adelanto, CA
$4,000,000
Cannabis Dispensary, Commercial Land

Commercial Ground-Up Construction

View Transaction
Before You Contact Us

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

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

$
%
months

At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)

$
$
$
$
$
$
$
%

If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

$
%
$
$
%

(temp use, storage, billboard, parking, etc.)

$
$
$
$
$
$
$
%

If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

$
%
$
$

how will the loan be paid off?

acres

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1
acres

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