Secured Capital Lending
Los Angeles , California
CA DRE Broker Lic. 02015649
Direct Lender for California Investment Properties
We are a direct private lending company specializing in financing both commercial and residential properties. We offer various attractive loan products such as fix and flip, rehab, bridge, construction, refi – cash out , 2nd trust deeds . The asset types we have an interest in financing are the following: SFR, multi-family, industrial, retail, office, mixed-use, car wash, gas stations, and hospitality.
Our team has combined over 30 years of experience and has funded over $300M in private capital since 2016. We are very quick to make decisions and our average funding is 5-10 days. We have a background in development , mortgage lending and property acquisitions.
Please note: We do not offer loans for vacant land or owner-occupied homes.
Property Geographic Area Details
California
Loan Amounts
$100,000 to $20,000,000
Interest Rates
8.99% to 11.99%
Loan Terms
12 months to 360 months
Origination Fees
1% to 2%
Lien Position
1st, 2nd
Maximum Leverage
Purchase Short-Term (no Value-Add)
Max LTP Residential: 90%
Max LTP Multifamily: 90%
Max LTP Commercial: 90%
Max LTP Land: 50%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max CLTV 2nd Lien Residential: 65%
Max LTV 1st Lien Multifamily: 70%
Max CLTV 2nd Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Max CLTV 2nd Lien Commercial: 70%
Max LTV 1st Lien Land: 70%
Max CLTV 2nd Lien Land: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Max CLTV 2nd Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Max CLTV 2nd Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Max CLTV 2nd Lien Commercial: 70%
Max LTV 1st Lien Land: 70%
Max CLTV 2nd Lien Land: 70%
Residential Fix & Flip
Max LTP: 90%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 70%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 90%
Commercial Value-Add
Max LTP: 90%
Max LTC: 90%
Residential Construction
Max LTP Land: 75%
Max LTC: 85%
Multifamily Construction
Max LTP Land: 75%
Max LTC: 85%
Commercial Construction
Max LTP Land: 75%
Max LTC: 85%
Max LTCV: %
Property Types
- 2-4 Units Residential
- Condominium
- Industrial
- Mixed-Use
- Retail
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Cannabis Use Properties
- Condo Conversion
- Foreclosure Bailout
- Residential Long-Term Rental
- Reverse 1031 Exchange
Junior Lien Loan Amounts
$100,000 to $2,000,000
Junior Lien Interest Rates
9% to 12%
Junior Lien Loan-to-Value
70%
Junior Lien Loan-to-Cost
70%
Junior Lien Types
- Refinance
We only provide Jr lien during refinances and on properties that are rented and producing income .
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
3Maximum After Repair Value
75%
Project must be shovel-ready. We can provide a loan for the land acquisition at 50% LTV for unentitled land
Development Experience Required
noMinimum Number of Ground-Up Construction Projects Completed by Borrower
0Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$100,000Contact Secured Capital Lending
Secured Capital Lending pays us to be listed, so there is no fee to connect with them directly.
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At Secured Capital Lending, real estate investors and brokers that struggle with finding the best private lenders to fund their projects and deals are often left missing out on opportunities, falling out of escrow, etc. I’ve seen it happen all too often, which is why I work with in-house funds to help investors and brokers by providing them with direct private capital, giving them the most competitive loan products and leverage to scale their business. My private funding helps you: ▶ Leveraging your cash so you can do more volume of RE investments. ▶ Get a lender partner who can perform in very time sensitive transactions. ▶ Access direct private capital which is not dependent on institutional money. When it comes to investment financing, having the peace of mind that you’re dealing with a trusted private lender is priceless. This gives you the confidence to go into the market place and not be put in a position where you have a lack of capital resources, more time and energy to focus on your work. You want to have the confidence that you can capitalize on any investment, and I understand how discouraging and frustrating it is to struggle with not being able to do that, due to lack of direct private capital. That’s why I’m proud to say, I’ve helped over a thousand clients have success in their real estate transactions. You deserve to have a direct lender to whom you can trust to perform all your private financing needs.
Associations
- National Private Lending Association - Founding Member
Office Locations
Secured Capital Lending6400 Laurel Canyon Blvd Ste 620, Los Angeles , California 91606
Our Team
Sam Chivitchian
CEO
CA DRE Broker Lic. - 02015649
California Finance Lender License - 60DBO-17352
Contact Secured Capital Lending
Secured Capital Lending pays us to be listed, so there is no fee to connect with them directly.
Stay Informed About Private Lending
Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER
Our Minimum Loan Amount Is
$100,000
What We Do
- Residential & Commercial Properties
- Bridge, Rehab, Construction, Rental Loans
- LTP up to 90% for Rehab Purchase
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes
- NO Consumer-Purpose Loans