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
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
  • 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


Junior Lien Loan-to-Cost


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


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

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Maximum After Repair Value

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

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


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


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
Personal Guaranty (Recourse) Required
Credit Check 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


Contact 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.

CA DRE Broker Lic. 02015649

Company Size (Number of Employees)


Year Established



  • 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


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Sam Chivitchian


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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Our Minimum Loan Amount Is


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

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