Exceptional Commercial Lender for California, Texas and Washington

If you get turned down for a secured loan from a conventional lending source, we’re here to help you in any way we can with our  efficient financial services. We provide quick responses to your loan applications, so you can quickly determine whether you qualify for a minimum loan amount of $500,000 and up to  $3,000,000 within a few business days. ATG Capital works closely with borrowers to assist them with first and second position loans and Bridge loans they may require, which can be up to 70% of the value of their collateral.

Property Geographic Area Details
California, Texas, Washington
Loan Amounts
$500,000 to $3,000,000
Interest Rates
9% to 13%
Loan Terms
12 months to 24 months
Origination Fees
2% to 4%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
Property Occupancy
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Cannabis Grow Facility
  • Commercial Condominium
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Retail
  • Senior Housing
  • Single Family Residence
  • Student Housing
  • Vehicle Parking

Loan Types

  • Commercial Property Value Add

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Seller Financing

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Deposit Required

Deposit will be used towards out-of-pocket lender expenses including due diligence studies. In the event the loan is not consummated, balance will be refunded to the prospective Borrower.

Site Visit Fee

We visit the site for loans over $700,000

Documents Fee

usually $1,000

Legal Fee

Lender Legal Fee

Environmental Report Fee

for commercial properties, we will ask for a Phase I report.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Due Diligence Fee
  • Underwriting Fee
  • Processing Fee
  • Documents Fee
  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee

Fees which are paid to a third party company

  • Site Visit Fee
  • Legal Fee
  • Appraisal Fee
  • Inspection Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
Pre Payment Penalty


6 months to 12 months
Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Legal Disclaimer

Every loan will be evaluated on its own merits and so, there may be some variations in the criteria of determining the terms specific to every loan.

Additional Details

Buyer is required to fill out forms which we have on line as well. The forms include borrowers’ commercial loan application 1003, Recent Appraisal (if not available, we will accept a BPO or perform our own valuation for the collateral); Borrowers narrative explaining the purpose of the loan; borrower credit application; Authorization to Release information; Personal Financial Statement; Business Loan Application, Schedule of Real Estate and Rent Roll (in case of Commercial Real Estate collateral). All the forms can be downloaded from our website. After receipt and review of the completed forms, we will schedule an interview with the borrower to discuss the loan terms. The loan officer will discuss the loan with Manager, ATG attorney and other professionals (i.e. real estate brokers) to properly assess the risks and the stability of the collateral. In the event the loan is determined to be favorable, the primary officer will prepare a letter of intent, listing all terms and conditions of the loan, for borrower’s approval. After receiving written approval of the terms from the borrower, the primary loan officer will underwrite the file and present the completed file along with his/her recommendations to the principle shareholders. If loan terms are acceptable to Manager, loan officer will convey a conditional loan approval to the borrowers and ask for necessary deposits to advance loan package to our attorney. ATG attorney will then prepare all pertinent loan documents for borrower.

Contact ATG Capital

ATG Capital pays us to be listed, so there is no fee to connect with them directly.

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ATG Capital has been involved in Real Estate acquisition and development since 1981. Our team owns and operates income properties in California, Nevada, Arizona, Colorado and Texas. We have funded many private money loans for real estate investors over the years.

Loans are made or arranged by Austin Tarzana Group, LLC pursuant to California Finance Lenders Law license #60DBO77954.


CFL Lic. 60DBO77954

Year Established


Office Locations

ATG Capital
5567 Reseda Boulevard, Suite 318, Tarzana, California 91356

Primary Capital Source
  • Own Funds
  • Bank Credit Line
Alternative Capital Sources
  • Friends & Family
  • Bank Pledge of Individual Mortgages
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Our Team

Bobby Younessi


California Lender License - 60BDO77954

Denise Geltman


Contact ATG Capital

ATG Capital pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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818-330-1675 818-330-XXXX
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Our Minimum Loan Amount Is


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