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Arch Loans

Arch Loans is a private lender based in Newport Beach, California, specializing in funding real estate investments across the West, Midwest, and South. They offer a range of loan options for experienced investors, including bridge loans, fix & flip financing, and cash-out refinancing, with quick approvals and competitive rates.

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.

Common Loan Scenarios
  • Loans for Residential & Small Multifamily
  • Lending to Experienced Investors
  • Bridge, Flip, Construction, Transactional
  • Lending up to 100% of Purchase Price
Scenarios Not Considered
  • Newbie Investors
  • Gap Funding or 2nd's
  • Rural Areas
  • Owner-Occupied Homes

Details and Requirements

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%

Origination Fees

1% to 3%

Loan Terms

1 to 12 months

Lien Position

1st

Credit Check Required

no

Prepayment Penalty

no

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

no

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%

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.

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

Office Locations

Headquarters
100 Bayview Circle Ste 2200, Newport Beach, California 92660
Colorado Office
12191 W 64th Ave Ste 306, Arvada, CO 80004

Connect with Arch Loans:

Our Team

Mike Blumenkranz

Loan Origination

CA DRE Lic. - 01980596

TJ Coveyou

Co-Founder and Managing Partner

CA DRE Broker Lic. - 01856812

Info Our minimum loan amount is $100,000

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