ATG Capital

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%

Max Loan-To-Value

65%

Max Loan-To-Cost

70%

Origination Fees

2% to 4%

Loan Terms

12 months to 24 months

Lien Position

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 and Loan Types

Collateral Types

Residential Property
Commercial Property
Commercial Property Ground Lease

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

Purchase Loan

Max Loan-To-Purchase Price

65%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

Will Consider Lending on Purchase from Auction

Allowed Source of Borrower’s Equity

Own Cash
Seller Financing

Rehab Value Add Loan

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

80%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Works With

Brokers
Borrowers

Payment Structure

Interest Only

Pre Payment Penalty

yes

6 months to 12 months

Will lend to a foreign national

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

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

Always

Credit Check Required

yes

Minimum Credit Score Required

600

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Fees

Deposit Required

$1,000.00 to $2,000.00

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

$150.00 to $500.00

We visit the site for loans over $700,000

Underwriting Fee

$895.00 to $1,195.00

Processing Fee

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 charged upfront prior to loan closing

Due Diligence Fee
Site Visit Fee
Underwriting Fee
Documents Fee
Legal Fee
Appraisal 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

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.

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.

License

CFL Lic. 60DBO77954

Year Established

2015

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

Alternative Loan Structures

One Investor One Loan

Percentage of company’s lending business focused on private mortgage

100%

Company’s Other Business Activities Besides Private Mortgage Lending

Residential Mortgage Banking
Business Finance

Percentage of Loans Secured by Commercial Property

30%

Percentage of Loans Secured by Residential Property

70%

Percentage of Residential Property Loans Which are Fix and Flip

10%

Percentage of Residential Property Loans Which are Buy and Hold

90%

Percentage of Residential Property Loans Which are Owner-Occupied

20%

Bobby Younessi

Manager

Senior Underwriter

Bobby Younessi has been involved in Real Estate acquisition and development since 1981. He has been involved in all aspects of the industry including development of custom home, development of commercial retail Centers, owning and operating income and commercial Properties. Our team owns and operates income properties in California, Nevada, Arizona, Colorado and Texas.

License Information
California Lender License - 60BDO77954

Denise Geltman

Processor

Loan Request

Deal Name *

Short Description of your Loan Request or Property Address

First Name *

Last Name *

Company

Email *

Phone

Company Phone

Your Location

This information is about yourself, not the subject property.

Country *

State

Province

Country *

State/Province

City *

What is your primary role in this loan request? *

Specify Your Role

Requested Loan Amount *

Loan-to-Value

Preferred Loan Term *

months

Lien Position *

Collateral Type *

Will the loan be collateralized by multiple properties? *

Fill out the form for one of the properties

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

Exit Strategy *

how will the loan be paid off?

Exit Strategy Details *

Subject Property Address

Subject Property City *

Subject Property State *

Subject Property Zip Code

APN Parcel ID Number(s)

Lot Size

acres

Subject Property Photos

Add links to photos here.

	Image
1

Add

Will additional properties be collateralized? *

Additional Properties

Address