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
California
Loan Amounts
$50,000 to $2,000,000
Interest Rates
7.99% to 12.99%
Loan Terms
6 months to 60 months
Origination Fees
2% to 3.50%
Lien Position
1st, 2nd, 3rd
Collateral Types
  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease
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

  • 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 Lien Loan Amounts

$50,000 to $1,500,000

Junior Lien Interest Rates

9.99% to 13.99%

Junior Lien Loan-to-Value

60%

Junior Lien Origination Fees

3% to 5%

We Fund Junior Position Loans

Often

Junior Lien Types

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

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

yes

Max LTV for Land

35%

Max LTC for Land Acquisition

50%

Junior Lien Types

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

Max Loan-to-Purchase Price

75%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Crowdfunding
  • Family

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

no

Max LTC for Renovation Costs

60%

Minimum Origination Fee Amount

$3,000

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 paid to a third party company

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

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty

yes

from 3 months to 12 months
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
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

480

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

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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.

License

CA DRE Lic. 01522495, NMLS ID 357614

Year Established

2006

Associations

  • 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
Percentage of Loans Secured by Commercial Property

35%

Percentage of Loans Secured by Residential Property

65%

Total Number of Loans Funded to Date

2100

Total Loan Volume Funded to Date

$1,500,000,000

Our Team

Pouyan Broukhim

Mortgage Broker

CA DRE Broker - 01384244
NMLS ID - 348736

Get In Touch

PB Financial Group pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

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