JCAP Private Lending continues to set records for fast closings. We can deliver hard money loans up to $5 million. Our company specializes in first and second mortgages throughout the United States. We have become the local expert in luxury home loans. Whether you need a loan rental property, luxury home project, or commercial building, we have you covered.

Submit, Close, and Get Paid Fast!

  • Same Day Approval
  • 2 Day Fundings


Property Geographic Area Details

Lending in All US States except ID, MN, MT, ND, SD, VT. Owner Occupied in CA only.

Loan Amounts

$100,000 to $5,000,000

Interest Rates

8.99% to 13.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1.5% to 3%

Loan Terms

6 months to 24 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Residential

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

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

Loan Types

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

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Partner Buyout
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out

Junior Liens

Junior Lien Loan Amounts

$50,000 to $750,000

Junior Lien Interest Rates

8.5% to 14.5%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

2% to 4%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
Business Purpose Loans *Appraisal Required*

Land Loan


*Appraisal Required*

Land Types Considered

  • Residential Land
  • Multifamily Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

*Appraisal Required*

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
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Family

Rehab Value Add Loan

For property in California, we charge interest on the entire loan amount. All other states interest is only charged on the funds drawn. *Appraisal Required*

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


Construction Loan

*Appraisal Required*

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


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty


3 months

Will lend to a foreign national


*Appraisal Required*

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

Documentation Required

  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Credit Check Description

Generally minimum is 600 but lower credit score accepted at lower loan-to-value. For 2nd mortgage, minimum credit score is 620. *Appraisal 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



Underwriting Fee

$1,995.00 to $1,995.00

Underwriting fee is $863 for a 2nd mortgage. *Appraisal Required*

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Background Check Fee

Fees which are paid to a third party company

  • Documents Fee
  • Legal Fee
  • Appraisal Fee
  • Credit Report Fee
  • Background Check Fee

Additional Details

We only charge points plus an underwriting fee. All other fees are paid directly to third party companies. *Appraisal Required*

JCAP Private Lending is a Direct Lender who closes and services Investor Funded Short-Term Real Estate Loans.  Our experienced team has been providing quality mortgage services for over 30 years. JCAP Private Lending is an Asset Based Lender who steps in to quickly solve a short-term financial need secured by Real Estate. JCAP has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors. JCAP’s operating philosophy is simple – “We Care & We Serve”.


CA DRE #01978865, NMLS #1323740

Company Size (Number of Employees)


Year Established



  • California Mortgage Association - Member
  • American Association of Private Lenders - Member

Office Locations

JCAP Private Lending
3151 Airway Avenue, Suite Q3, Costa Mesa, California 92626

Primary Capital Source

  • Individual Investors
  • Private Equity Funds

Alternative Capital Sources

  • Private Equity Funds

Loan Structure for Majority of Loans

  • One Investor One Loan

Alternative Loan Structures

  • Multiple Investor Fractionalized Note

Percentage of company’s lending business focused on private mortgage


Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Owner-Occupied


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


2018 Loan Volume Funded


Aaron Siefker

Vice President

Aaron is an innovator, businessman, entrepreneur and team player/coach who loves “solving the problem”. Aaron is passionate about educating and building relationships by looking for partners with a “customer first” philosophy.

Bob Eakin


Bob Eakin started his career over 25 years ago in the mortgage industry. He was named in the Top 50 Mortgage Originators out of 750,000 loan officers in the USA. Bob contributes his success to an unprecedented dedication to people. JCAP’s operating philosophy is simple - “We Care and We Serve”. Our products are secondary to our desire to enhance the lives of our investors and our clients.

Paul Wirth

Vice President

Paul believes that success is achieved by providing the most value possible to one's clientele and doing so in the most ethical manner. As a Relationship Manager for JCAP Private Lending, Paul is committed to assisting brokers and borrowers obtain affordable financing when a traditional loan is not an option.

Chaz Bradley

VP, Lending

Chaz Bradley brings over 15 years of elite training, management skills, and world class customer care to our distinguished team.

License Information

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


Add links to documents, photos, etc.