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 real estate investments in West, Midwest and South. Our extensive experience as investors allows us to provide fast approvals. 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.

NO Newbie Investors
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 or multifamily properties.

Property Geographic Area Details
Nationwide except Nevada, Alaska, and the East Coast.
Loan Amounts
$100,000 to $10,000,000
Interest Rates
8% to 15%
Loan Terms
1 months to 12 months
Origination Fees
1% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
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%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 70%
Max LTP Multifamily: 69%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Residential Fix & Flip
Max LTP: 100%
Max LTC: 100%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 100%
Max LTC: 100%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 100%
Max LTC: 100%
Max LTARV: 70%
Residential Construction
Max LTP Land: 50%
Max LTC: 100%
Max LTCV: 70%
Multifamily Construction
Max LTP Land: 50%
Max LTC: 100%
Max LTCV: 70%

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

Property Types

  • 2-4 Units Residential
  • Condominium
  • Multifamily
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Specialty Loan Types

  • Condo Conversion
  • Luxury Homes
  • Subdivisions
  • TIC Tenancy-in-Common
  • Transactional Funding
  • Vacation Rental
We only provide 100% of purchase price for rehab/renovation projects where the after-repair value will be 70% or less. Also, it's only available to experienced investors.

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
Renovation/construction draws are typically provided 24 hours after inspection

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

2

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%

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

2

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

yes

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 paid to a third party company

  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

2

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
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Never

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.

Get In Touch

ARCH Loans pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

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 Loans Secured by Commercial Property

10%

Percentage of Loans Secured by Residential Property

90%

Total Number of Loans Funded to Date

900

Total Loan Volume Funded to Date

$250,000,000

Our Team

Mike Blumenkranz

Loan Origination

CA DRE Lic. - 01980596

TJ Coveyou

Co-Founder and Managing Partner

CA DRE Broker Lic. - 01856812

Mike Monaco

Vice President

Christian White

Loan Origination

CA DRE Broker Lic. - 02081601

Funded Deals

Get In Touch

ARCH Loans pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$100,000

What We Do

  • Loans for Residential & Small Multifamily
  • 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

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact This Lender

Contact ARCH Loans by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

Send an email to ARCH Loans