At Pivotal Capital Group, we provide loans for residential fix & flip, ground-up construction, rental rehab or bridge financing for properties in California only. Our team of professionals care about creating long-lasting relationships with borrowers and our mission is to provide a quick and smooth loan process from submittal to payoff. We strive to build long-term relationships with our borrowers.
Pivotal is a direct private lender, with deep institutional capital resources, not a fund or a broker. We hold and service all loans internally. We know that making a deal happen means responding quickly, and we do. We quote quickly, we close quickly, and we deliver-repeatedly for several loan types:
- Fix & Flip
- Loan to Purchase or As-Is Value: Up to 90%
- Loan to After Repair or Completed Value: Up to 80%
- Rehab Financing: Up to 100% of Rehab Budget
- Ground-Up Construction (must be shovel ready)
- Loan to Purchase or As-Is Value: Up to 75%
- Loan to After Repair or Completed Value: Up to 75%
- Rehab Financing: Up to 75% of Total Project Budget, Including Financing
- Bridge (Acquisition or Cash-Out Refinance)
- Loan to Purchase or As-Is Value: Up to 75%
- Loan to After Repair or Completed Value: Up to 75%
- Rental Rehab
- Loan to Purchase or As-Is Value: Up to 80%
- Loan to After Repair or Completed Value: Up to 8%
- Rehab Financing: Up to 100% of Rehab Budget
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Single Family Residence
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
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Pivotal Capital Group is deeply rooted in real estate lending with our success built on the extensive experience of its two principals – Brad Rust and Joe Gigliello. Together they have been financing real estate for over 50 years and are passionate about helping real estate investors succeed.
Pivotal Capital Group II, LLC is Licensed by the Department of Business Oversight. California Finance Lender Law License #603L220.
Office Locations
111 Corporate Drive, Suite 270, Ladera Ranch, California 92694Our Team
Brad Rust
Co-President
Joe Gigliello
Co-President
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