Program Highlights:

  • Loan amounts from $50,000 to $2 Million in 1st position
  • 2nd Position loans from $100,000 to $1,000,000 up to under 60% CLTV for 60 months
  • Foreclosure/NOD, Bankruptcy, Bad Credit – Okay
  • Purchase Money and Refinance Transactions
  • FICO problem – Okay
  • Stated income and Stated Assets(refinances) , Stated income verified assets (purchases), and No Doc available on NOO and Investment Properties
  • Probate Loans – Okay
  • Rehab and Construction loans available
  • Property Inspection in lieu of Appraisal Reports, case-by-case
  • Corporations, LLC’s, and Trusts – Okay
  • SFR and 1-4 Units up to 70% LTV
  • 12 Months to 10 Year Programs available
  • Industrial up to 65% LTV Interest Only or partially amortized available, terms vary up to 5 years.
  • Commercial up to 65% LTV Interest Only or partially amortized. 3 Months to 20 Years Loan Terms.
  • Apartment Building Loans up to 65% to 80% LTV. Interest Only or Partially Amortized up to 20 years.
  • Mix Used properties up to 65% LTV. Interest Only or Partially Amortized up to 5 years.
  • Owner Occupied Stated Business Purpose 1st, 2nd and 3rd positions available. Funds must be used for the following purposes: purchasing business, expanding business (purchasing inventory, buying out a business partner, investing in advertising, etc.) or purchasing other income producing or flip opportunities, or other financially viable and verifiable business opportunity

Property Geographic Area Details


Loan Amounts

$50,000 to $2,000,000

Interest Rates

7.99% to 12.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 3.50%

Loan Terms

6 months to 60 months

Lien Position

  • 1st
  • 2nd
  • 3rd

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
  • Owner Occupied Residential

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Auto Dealership
  • Cannabis Dispensary
  • Child Day Care
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Equestrian
  • Gas Station
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Rehabilitation Facility
  • Religious Facility
  • Residential Land
  • Retail
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Theater
  • Vehicle Parking

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • 3rd Mortgage Equity Cash Out
  • Residential Long-Term Rental
  • Reverse 1031 Exchange
  • Partner Buyout
  • Discounted Note Payoff
  • Bankruptcy Resolution
  • Foreclosure Bailout
  • Line of Credit Portfolio of Properties
  • Cannabis Use Properties
  • Commercial Permanent Financing
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Non-Prime
  • Residential Equity Share

Junior Liens

Junior Lien Loan Amounts

$50,000 to $1,500,000

Junior Lien Interest Rates

9.99% to 13.99%

Junior Lien Loan-to-Value


Junior Lien Origination Fees

3% to 5%

We Fund Junior Position Loans


Junior Lien Types

  • Refinance
  • Equity Cash Out
  • Mezzanine
We offer 2nd and 3rd position loans up to 60% Combined Loan to Value

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Cultivation
  • Retail Dispensary
  • Retail Sales
  • Manufacturing
  • Processing
  • Production

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Special Purpose Land
  • Cannabis Use Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

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
  • Crowdfunding
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty


from 3 months to 12 months

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
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Bank Statements
  • Financial 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



Underwriting Fee

$795.00 to $1,595.00

Documents Fee

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Processing Fee
  • Documents Fee
  • Appraisal Fee
  • Inspection Fee
  • Title Fee
  • Credit Report Fee
  • Extension Fee

Fees which are charged upfront prior to loan closing

  • Appraisal Fee
  • Credit Report Fee

Fees which are paid to a third party company

  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Environmental Report Fee

PB Financial Group Corporation is a direct California Hard Money / Private Money Lender on Residential and Commercial Properties that provides fast, flexible, asset-based lending for borrowers, corporations, and estates that do not meet the stringent requirements of conventional underwriting guidelines.

As a direct lender, we make quick lending decisions and are able to streamline the loan process which provides a quick turnaround time on making a decision and solving your financing needs.

Our loans provide rate and term, purchase, investor loans, and cash out with no limits for Residential and Commercial Properties; Corporations; Limited Liability Corporations, Delaware Corporations; estates, and foreign nationals – whether they are owner occupied, non-owner occupied, a second home, or investment properties.


CA DRE Lic. 01522495, NMLS ID 357614

Year Established



  • California Mortgage Association - Member

Office Locations

6380 Wilshire Boulevard #1610, Los Angeles, California 90048

Primary Capital Source

  • Own Funds
  • Individual Investors

Alternative Capital Sources

  • Own Funds
  • Individual Investors
  • Other Private Lending Companies
  • Private Equity Funds

Loan Structure for Majority of Loans

  • One Investor One Loan
  • Multiple Investor Fractionalized Note

Alternative Loan Structures

  • LLC Syndicated Investors
  • Multiple Lender Participation

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 Buy and Hold


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


Pouyan Broukhim

Mortgage Broker

License Information
CA DRE Broker - 01384244
NMLS ID - 348736

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?


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