Property Geographic Area Details
California Major MSAs
Loan Amounts
$50,000 to $20,000,000
Interest Rates
6.99% to 13.99%
Loan Terms
6 months to 360 months
Origination Fees
1% to 5%
Lien Position
1st, 2nd
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%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Residential Land
  • Retail
  • Single Family Residence

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Primary Residence Business Purpose Cash Out
  • Residential Non-Prime

Junior Lien Loan Amounts

$50,000 to $2,000,000

Junior Lien Interest Rates

9.99% to 14.99%

Junior Lien Loan-to-Value

60%

Junior Lien Loan-to-Cost

75%

Junior Lien Origination Fees

2% to 6%

We Fund Junior Position Loans

Rarely

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Retail Land

Will Consider Land That is NOT Entitled

no

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

Max Loan-to-Purchase Price

78%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Family

Documents Fee

Loan Documents fee paid directly to Attorney

Fees which are mandatory for all new borrower clients

  • Appraisal Fee
  • Credit Report Fee

Fees which are paid to a third party company

  • Site Visit Fee
  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
  • Interest Reserve
  • No Monthly Payments Required
Pre Payment Penalty

yes

case by case basis
Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

550

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Pacific Capital Funding Corp Testimonials

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Pacific Capital Funding Corp. (or PCFC) was formed to satisfy the growing demand for alternative financing while offering its investors opportunities for relatively low-risk real estate equity-based investment. We recognized that recent mortgage industry reforms are heavily focused on income and credit based conventional loans which created a lack of financing options for equity-rich business owners, landlords, investors and developers with less than perfect financials.  Pacific Capital Funding Corp. is able to offer those individuals and companies highly competitive options for business purpose financing and bridge loans secured by real estate currently owned or being acquired.

Pacific Capital Funding Corp. is a bridge between individuals and businesses in need of funds and investors looking for a lower risk, real estate secured investment.

We at Pacific Capital Funding Corp. pride ourselves on striving to the highest standards of excellence in service and execution.  It is the execution that sets PCFC apart from its competitors. We offer our investors peace of mind knowing that each real estate asset is carefully researched, examined and evaluated by a team of professionals.  Each loan, after a thorough underwriting process, is personally reviewed by one of PCFC’s executive members prior to being released for funding.

While there are options for private money lenders, Pacific Capital Funding Corp. is the only choice for secure real estate equity investments and business loan funding balanced with a high level of ethics and professionalism.

License

CA DRE Lic. #01772093

Year Established

2017

Office Locations

5023 N. Parkway Calabasas, Calabasas, CA 91302

Branch
17327 Ventura Blvd. #310, Encino, CA 91316

Primary Capital Source
  • Individual Investors
  • Friends & Family
Alternative Capital Sources
  • Own Funds
  • Other Private Lending Companies
Loan Structure for Majority of Loans
  • One Investor One Loan
Percentage of Loans Secured by Commercial Property

30%

Percentage of Loans Secured by Residential Property

70%

Our Team

Leon Oransky

CEO / Broker

CA DRE Broker License - 01217444

Ben Soifer

CFO / Founding Partner

CA DRE License - 01207990

Michael Zelener

CA DRE License - 01772093

Contact Pacific Capital Funding Corp

Pacific Capital Funding Corp pays us to be listed, so there is no fee to connect with them directly.

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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$50,000

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