Quick, Reliable and Trustworthy Private Lending for California Real Estate Investors

At First Bridge Lending, we understand real estate and how to make a direct loan happen fast. With our direct lending options, you not only get the advantage of our experience, but you also work with lenders of the highest integrity. We control every step of the loan process from origination to close. We have discretion over funds, produce our own loan documents, and do all of our underwriting in-house – no appraisal required. This enables us to fund a loan in as little as 3 business days.

Most of our loans are for purchase and refinance deals. We lend on rehab/construction projects, but we would only fund up to 60% of the as-is value and no additional funds for the construction costs.

  • NO Owner-Occupied Homes
  • NO Vacant Land
  • NO Ground-Up Construction Loans
  • NO High Leverage Loans over 60% LTV/LTP
  • NO 2nd or Junior Liens
Property Geographic Area Details
California only (most counties)
Loan Amounts
$100,000 to $10,000,000
Interest Rates
8.75% to 11.49%
Loan Terms
6 months to 24 months
Origination Fees
1% to 2%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
Property Occupancy
  • Vacant
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Retail
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge

Specialty Loan Types

  • Line of Credit Single Property
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Reverse 1031 Exchange
For rehab project, we do not fund any of the renovation/construction costs. We just fund 60% of the purchase price or refinance up to 55% of the as-is value.

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
  • Gap Lender

Documents Fee

We collect a non-refundable $1,595 doc and processing fee.

Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Documents 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


We would lend to a foreign national with a Tax ID#
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
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check 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

First Bridge Lending is licensed by the CA Dept of Corporations CFL # 60DBO-77543 and CA DRE under FJM Capital, Inc. #01918610 DBA First Bridge Lending NMLS # 958346

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First Bridge Lending pays us to be listed, so there is no fee to connect with them directly.

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A California Private Mortgage Fund

We focus on providing our customers with excellent service while helping them obtain the right direct loan for their needs. We aren’t just here for the one loan you need to make your investment work—we are here to help you time and time again as you continue to invest in real estate. When you need to move quickly to capitalize on a rare real estate opportunity, First Bridge Lending is the right team to work with.

Our fund’s managers bring more than 75 years of real estate investing and financing experience to the table. We pride ourselves on our in-depth industry knowledge and our integrity. We have funded loans that range from $100,000 to $5,000,000 on residential and commercial properties located in the Western states.

We have closed more than 2,000 loans totaling more than $1 billion since 2012.


CA DRE 01918610 | NMLS 958346 | CFL 60DBO-77543

Company Size (Number of Employees)


Year Established



  • California Mortgage Association - Member

Office Locations

5341 Old Redwood Highway Suite 200 , Petaluma, CA 94954

Primary Capital Source
  • Own Funds
  • Individual Investors
Alternative Capital Sources
  • Bank Credit Line
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

Michael Joseph


Louis Bardis


CA DRE Lic. # - 01887699
NMLS ID - 372531

Matt Moran

Brian Haines


CA DRE Lic. # - 01879626
NMLS ID - 2083974

Christopher Carey

Director of Originations

CA DRE Lic. # - 01212515
NMLS ID - 377644

Roxanna Amaya

Loan Originator

CA DRE Lic. # - 02073743
NMLS ID - 1804290

Contact First Bridge Lending

First Bridge Lending pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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Contact First Bridge Lending 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


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