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.

Property Geographic Area Details
California
Loan Amounts
$100,000 to $20,000,000
Interest Rates
6.99% to 9.99%
Loan Terms
12 months to 360 months
Origination Fees
1% to 2%
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
  • Commercial Property
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

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
  • Condo Conversion
  • Residential Long-Term Rental
  • Reverse 1031 Exchange
  • Bankruptcy Resolution
  • Foreclosure Bailout
  • Cannabis Use Properties

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

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Gap Lender
  • Family

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

3

Maximum After Repair Value

75.00%
Project must be shovel-ready. We can provide a loan for the land acquisition at 50% LTV for unentitled land

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Pre Payment Penalty

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

Secured Capital Lending 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.

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License

CA DRE Broker Lic. 02015649

Company Size (Number of Employees)

6

Year Established

2016

Associations

  • National Private Lending Association - Founding Member

Office Locations

Secured Capital Lending
6400 Laurel Canyon Blvd Ste 620, Los Angeles , California 91606

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Family Offices
  • Friends & Family
Alternative Capital Sources
  • Debt Fund We Manage
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Multiple Investor Fractionalized Note
  • Table Funding with Capital Partner
Percentage of Loans Secured by Commercial Property

20%

Percentage of Loans Secured by Residential Property

80%

Total Number of Loans Funded to Date

390

Total Loan Volume Funded to Date

$375,000,000

Our Team

Sam Chivitchian

CEO

CA DRE Broker Lic. - 02015649

Get In Touch

Secured Capital Lending 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

$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 Consumer-Purpose Loans

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