Reliable Direct Private Lender for Investment Real Estate

Fidelity Bancorp Funding (FBF) is a Nationwide direct lender specializing in asset-based and interim financing for commercial and residential investment properties. FBF offers a quick and easy loan process with stated income and asset loans, all with ONE signature. We understand that investors need to capitalize quickly on market opportunities. That is why we have funded over $13 Billion in loans.

  • Multifamily & Residential Investment Properties
  • Rehab & Value-Add Funding
  • Loan terms up to 3 years
  • No prepayment penalty

Please Note: We do not offer loans for owner-occupied homes, vacant land, or ground-up construction.

Property Geographic Area Details
Loan Amounts
$500,000 to $10,000,000
Loan Terms
1 months to 36 months
Origination Fees
1% to 2%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
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%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 70%
Max LTP Multifamily: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Residential Fix & Flip
Max LTP: 70%
Residential Rehab & Hold
Max LTP: 70%
Multifamily Value-Add
Max LTP: 70%

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Multifamily
  • Portfolio of Residential Properties
  • Senior Housing
  • Single Family Residence
  • Student Housing

Loan Types

  • Commercial Bridge
  • Commercial Property Value Add

Specialty Loan Types

  • Luxury Homes
  • Partner Buyout
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Residential Non-Prime
  • Residential Short-Term Rental
  • Reverse 1031 Exchange
  • TIC Tenancy-in-Common
For property acquisitions, borrower must have a 25% cash down payment or sufficient equity in another property that we can cross-collateralize.

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 Another Investment Property
  • Equity in Primary Residence
  • 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

Only on Funds Drawn

Typical Number of Days for Funds Draw


Maximum After Repair Value


Deposit Required

Deposit will depend on transaction and property type.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Multi-Purpose Lender Fee
  • Processing Fee
  • Documents Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee

Fees which are paid to a third party company

  • Documents Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
Pre Payment Penalty


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
  • Non-Profit Corporation
Documentation Required
  • Credit Report
  • 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


Legal Disclaimer

LIABILITY DISCLAIMER: FIDELITY BANCORP FUNDING STRIVES TO MAKE SURE THAT THE INFORMATION ON ITS WEBSITE IS ACCURATE, BUT INACCURACIES OR ERRORS CAN OCCUR. YOU USE THIS WEBSITE AT YOUR OWN RISK. FIDELITY BANCORP FUNDING RESERVES THE RIGHT TO CHANGE OR MODIFY THE CONTENT ITS PROFILE AT ANY TIME WITH OR WITHOUT NOTICE. YOUR CONTINUED USE OF THE WEBSITE CONSTITUTES YOUR ACCEPTANCE OF SUCH MODIFIED TERMS. THIS WEBSITE PROFILE AND ALL OF THE INFORMATION CONTAINED THEREIN ARE PROVIDED “AS IS.” FIDELITY BANCORP FUNDING DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANYTHING WHATSOEVER RELATING TO THIS PROFILE AND ANY INFORMATION PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. FIDELITY BANCORP FUNDING IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY THE USE OF THIS WEBSITE AND/OR THE CONTENT LOCATED THEREON, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER CAUSE OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. INDEMNIFICATION/LEGAL RELIEF You agree to indemnify and hold Fidelity Bancorp Funding harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys’ fees incurred by Fidelity Bancorp Funding arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement. GOVERNING LAW AND VENUE This Agreement shall be governed by the laws of the State of California. You hereby consent and voluntarily submit to personal jurisdiction in the State of California, in and by the courts of the State of California in San Diego County and the United States District Court for the Southern District of California, in any action in which a claim is brought with respect to this Agreement, and you agree that it may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue or the convenience of the forum for any action or claim with respect to this Agreement brought in the United States District Court for the State of California or the courts of San Diego County. MISCELLANEOUS This Agreement embodies the entire agreement between the parties and may not be amended, modified, altered or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and Fidelity Bancorp Funding. No representation, promise, inducement or statement of intention has been made by you and Fidelity Bancorp Funding that is not embodied in this Agreement. You and Fidelity Bancorp Funding shall not be bound by, or liable for, any alleged representation, promise, inducement, or statement of intention not contained in this Agreement. A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision of this Agreement shall be construed independently of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent of the original provision.

Additional Details

Extension options are available. Rates and terms are subject to change. Rates and terms are based on property type, location, and borrower strength.

Get In Touch

Fidelity Bancorp Funding pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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As an established commercial and residential mortgage lender based in Southern California, we have closed over $13 billion nationwide. Your investments can shape your world. We understand this. Every aspect of your funding with Fidelity Bancorp has been tailored to meet your needs. With over 20 years in the industry, we appreciate how important your investment portfolio is to your future. Our unmatched team brings together the best of knowledge, resources and partnerships that lead to a winning combination. Our ability to provide a one-stop solution under one roof distinguishes us from other lending solutions.

We’ve worked hard to earn an outstanding reputation as a company that delivers. We understand the challenges you face in differentiating between the variety of lending options and utilizing them in the best way to achieve your goals. It’s not a simple task, but at Fidelity Bancorp Funding, we simplify the process. We guide you confidently through the process and close your loan smoothly – protecting you from common pitfalls. Whether it’s doing our utmost to exceed your expectations and keep you posted throughout, so you can be assured of personal attention. Our approach works, and we’re not the only ones who think so.


CA DRE Lic. 01298221, NMLS ID 268792

Company Size (Number of Employees)


Year Established


Office Locations

Fidelity Bancorp Funding
1551 N. Tustin Ave., Suite 700, Santa Ana, California 92705

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

William Sonsma


CA DRE Broker License - 01100356
NMLS - 236082

Get In Touch

Fidelity Bancorp Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Fidelity Bancorp Funding by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.


Our Minimum Loan Amount Is


What We Do

  • Investment Properties Nationwide
  • Purchase, Refi, and Rehab Loans
  • LTV/LTP Up to 75%
  • 25% Cash Required for Purchase
  • Never charge a prepayment penalty

Not Available

  • NO 100% Financing
  • NO Land Loans
  • NO Ground-Up Construction
  • NO Consumer Purpose Loans
  • NO Cannabis-Use Properties

Send an email to Fidelity Bancorp Funding