Equity Wave Lending Inc

Equity Wave Lending, Inc. is a direct private money lender based in Irvine, California, providing nationwide business-purpose loans secured by residential, commercial, and mixed-use real estate. The company offers first- and second-lien financing and also provides trust deed investment opportunities.

Details and Requirements

Credit Check Required

yes

Last updated: October 7, 2026

Equity Wave Lending Inc’s Lending Activity
Data Provided By Elementix
12mo Loan Volume

$50,217,900

12mo Loan Count

169

Total Loan Volume

$507,268,671

Average Loan Size

$260,138

Loan Count by State (Past 12 Months)
CA: 166, FL: 2, TX: 1
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 1992
  • Headquarters: Irvine, California
  • Company Type: Direct private money lender
  • Primary Loan Purpose: Business-purpose real estate financing
  • Loan Types: Bridge loans, cash-out loans, purchase loans, and refinance loans
  • Lien Positions: 1st and 2nd trust deeds
  • Property Types: Residential, commercial, and mixed-use properties
  • Geographic Focus: Nationwide
  • Loan Amounts: Generally $50,000 to over $2 million
  • Underwriting: Equity-based and stated-income financing; some programs may accommodate borrowers without a FICO score
  • Typical Funding Time: As little as 7–15 days in some cases
  • Primary Customers: Business owners, real estate investors, and other business-purpose borrowers
  • Investor Program: Offers whole and, where permitted, fractionalized mortgage notes and trust deed investments
  • Loan Servicing: Provides in-house loan servicing and collections

Office Locations

2355 Main St. Suite 230, Irvine, CA 92614

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