Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
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
noMax 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
noWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed 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
Pacific Capital Funding Corp Testimonials
Lina
Keller Williams Realtor
"So dependable! Love referring my clients to PCFC. I always know they're in great hands. Great service and great rates. Highly recommended..."
Calabasas, CA
"Professional, prompt, and always helpful. Best experience. Highly recommend."
Contact Pacific Capital Funding Corp
Stay Informed About Private Lending
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.
Office Locations
5023 N. Parkway Calabasas, Calabasas, CA 91302Branch
17327 Ventura Blvd. #310, Encino, CA 91316
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
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Stay Informed About Private Lending
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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.