Blue-inc. Capital
Eugene, Oregon
NMLS 196864 // ML 1456
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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
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 basisWill Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
70%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
noMax LTV for Land
50%Max LTC for Land Acquisition
50%Max Loan-to-Purchase Price
100%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
yesAllowed 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
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
0Maximum After Repair Value
70%Development Experience Required
noMinimum Number of Ground-Up Construction Projects Completed by Borrower
0Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesMinimum Origination Fee Amount
$3,498
Fees which are paid to a third party company
- Settlement Fee
- Escrow Fee
Blue-inc. Capital Testimonials
Thank you!
Blue-inc. Capital
""That was the easiest process I have ever experienced. Thank you!" -Valerie V."
Eugene, Oregon
Informative
Blue-inc. Capital
""Matt was fantastic to work with. He was low stress and very informative." -Damon B."
Springfield, Oregon
Dream
Blue-inc. Capital
""Thank you for helping me make my dream a reality! I appreciate the help." - Diane G."
Lane County, Oregon
Excellent
Blue-inc. Capital
""Excellent to work with!" - April C."
Prineville, Oregon
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Blue-inc. Capital
PERSONAL, INDEPENDENT, FLEXIBLE, EFFICIENT
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.
History
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.
Associations
- Oregon Mortgage Association - Member
- Better Business Bureau - Member
- NMLS - 196864
Office Locations
Blue-inc. Capital1201 Oak Street, Eugene, Oregon 97401
Our Team
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