Direct Lender for Oregon Investment Real Estate

We finance almost any type of real property in the state of Oregon, for a wide range of deals – purchase, refinance & cash out, rehab, ground-up construction, bare acreage, distressed properties, multi-family housing, commercial, industrial properties and much more.

  • We never require formal appraisals
  • Blue-inc. Capital does not charge additional fees charged except origination/points
    • Escrow, title and servicing paid directly to third party companies
  • Land and agricultural properties up to 50% LTV
  • Development, Constuction, Farms, Ranches, Vineyards, Crops, Timber and Grow
  • Close in 3-7 business days
Property Geographic Area Details
Anywhere in Oregon
Loan Amounts
$25,000 to $3,500,000
Interest Rates
10.0% to 14.0%
Loan Terms
3 months to 48 months
Origination Fees
3% to 5%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 70%
Max LTP Multifamily: 70%
Max LTP Commercial: 70%
Max LTP Land: 50%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Max LTV 1st Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Max LTV 1st Lien Land: 50%
Residential Fix & Flip
Max LTP: 100%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 100%
Max LTC: 100%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Commercial Value-Add
Max LTP: 90%
Max LTC: 90%
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%
Commercial Construction
Max LTP Land: 50%
Max LTC: 100%
Max LTCV: 70%

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Car Wash
  • Casino
  • Child Day Care
  • Church
  • Cinema
  • Club
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Covered Land
  • Equestrian
  • Event Center
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Manufactured Home
  • Marina
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Garage
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Recreational
  • Rehabilitation Facility
  • Religious Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Timberland
  • Vehicle Parking
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Commercial Bridge
  • Commercial Property Value Add
  • Commercial Ground-Up Construction

Specialty Loan Types

  • Cannabis Use Properties
  • Foreclosure Bailout
  • Land Development
  • Note Purchase
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Short-Term Rental
  • Vacation Rental

Agribusiness Types

  • Cattle Ranch
  • Cannabis
  • Citrus Grove
  • Corn
  • Cotton
  • Dairy
  • Equestrian
  • Melons
  • Peach
  • Peanuts
  • Potatoes
  • Poultry
  • Row Crops
  • Swine
  • Tree Nuts
  • Vegetables

Cannabis Use Properties

Will consider all on a case by case basis

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Cultivation
  • Retail Dispensary
  • Retail Sales
  • Manufacturing
  • Processing
  • Production

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land
  • Covered Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


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
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Family

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


Maximum After Repair Value


Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Minimum Origination Fee Amount


Fees which are paid to a third party company

  • Settlement Fee
  • Escrow Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
  • No Monthly Payments Required
Pre Payment Penalty


3-12 months minimum
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
  • Corporation
  • Non-Profit Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank 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


Additional Details

Guidelines depend on many factors, project type and overall risk associated with the property/borrower. Terms and conditions are subject to change daily. All lending and loan approvals are subject to approval by owners of Blue-inc. Capital (Oregon Mtg. License # ML-1456 and NMLS ID #196864)

Blue-inc. Capital Testimonials

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Blue-inc. Capital


First and foremost, we strive to make sure all our clients are respected, fairly treated and fully informed. Second, we make our loan decisions right here in the office, based on our own assessment of the collateral and the borrower. We do not have the constraints a conventional lender does, so we can handle a wide array of unusual situations and borrowers. And if you are in the middle of a deal that could fall through because of a delay on financing, we can move very quickly.


In 1990, with a lending pool of about $250,000., Founder, Gordon Gallic started finding lending opportunities that typically needed fast or unusual financing.  As word spread, friends and neighbors were interested in safe but greater than CD returns. With lots of due diligence and very conservative lending, the business grew steadily year in and year out.  Due to an abundance of opportunities and a huge amount of new legislation, Gordon set out to find a business partner.

In 2005, Kerrie Johnson joined Gallic Financial.  It was a perfect match and over the next few years Kerrie became an innovator and leader in the business.  Gallic Financial became Gallic & Johnson Financial. In 2014, Gordon retired, and Kerrie took over the business. Late in 2020 Matt Powell joined Gallic & Johnson and became a partner in 2021 helping and assisting Kerrie with the business operations and loan originating. With over 20 years in real estate Matt quickly moved into a comfortable position working with borrowers and investors.

The name Blue-inc. Capital was created from the once required signing of legal real estate documents with blue ink. The reasoning behind that the color will stand out among the walls of black text on a document whole still being dark enough to read. Blue ink also indicates that the document is an original and not a copy. When Matt started his real estate career, he remembers the training and requirement to always have clients use blue ink. This was soon dropped as a requirement but the memory of “blue ink” and the requirement remains a reminder of the early days in his career. Now, Blue-inc. Capital stands out as a market leader in private lending.


NMLS 196864 // ML 1456

Company Size (Number of Employees)


Year Established



  • Oregon Mortgage Association - Member
  • Better Business Bureau - Member
  • NMLS - 196864

Office Locations

Blue-inc. Capital
1201 Oak Street, Eugene, Oregon 97401

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Bank Credit Line
  • Friends & Family
Loan Structure for Majority of Loans
  • Multiple Investor Fractionalized Note
  • Table Funding with Capital Partner
  • Multiple Lender Participation
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Our Team

Matt R. Powell

Owner/Loan Orginator

NMLS - 1971969
ML - 1456

Kerrie Johnson

Owner/Loan Originator

NMLS - 196863
ML - 1456

Patrick Carney

Loan Originator

NMLS - 273179

Jake Colter

Loan Originator

NMLS - 2365400

Contact Blue-inc. Capital

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

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Our Minimum Loan Amount Is


What We Do

  • Lending in Oregon only
  • ALL types of Investment Property
  • Bridge, Rehab & Construction Loans
  • Loan Terms up to 4 years

Send an email to Blue-inc. Capital