California’s Hard Money Lender for Real Estate Investors

As a California Direct Lender, TaliMar Financial specializes in hard money loans secured by residential and commercial real estate, including Fix and Flips, Fix & Holds, Construction, and Bridge Loans.

Understanding that no two transactions are identical, we strive to structure the most advantageous lending solution for our clients. We pride ourselves on our creative lending programs and seamless funding process. Throughout the term of your loan, we remain available to you as a source for guidance and we aim to earn your trust as your long-term lending partner.

Please note: we do NOT offer loans for land or owner-occupied homes.

Property Geographic Area Details
California Only
Loan Amounts
$100,000 to $5,000,000
Interest Rates
7.99% to 11%
Loan Terms
6 months to 60 months
Origination Fees
1% to 3%
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%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Rehab Fix & Flip

  • 70%+ of Completed Value
  • Rates starting at 7.99%
  • Residential / Commercial
  • Low Points / Closing Costs
  • Purchase / Renovation Funds
  • Same Day Approvals
  • No Doc Program
  • 5-7 day Funding
  • No Min Credit Score
  • California Only

Bridge Loan Program

  • 70%+ of Purchase Price / Current Value
  • Rates starting at 7.99%
  • Residential / Commercial
  • Low Points / Closing Costs
  • Purchase / Cash Out Refinance
  • Same Day Approvals
  • No Doc Program
  • 5-7 day Fundings
  • No Min Credit Score
  • California Only

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Auto Dealership
  • Commercial Condominium
  • Condominium
  • Gas Station
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Retail
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Student Housing

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
  • Land Development
  • Condo Conversion
  • Residential Long-Term Rental
  • Note Purchase
  • Reverse 1031 Exchange
  • Partner Buyout
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Commercial Permanent Financing
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Non-Prime

Junior Lien Loan Amounts

$100,000 to $5,000,000

Junior Lien Interest Rates

8% to 15%

Junior Lien Loan-to-Value

60%

Junior Lien Loan-to-Cost

72%

Junior Lien Origination Fees

1% to 5%

We Fund Junior Position Loans

Often

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Mezzanine
TaliMar Financial specializes in offering 2nd Trust Deeds on business purpose loans.

Max Loan-to-Purchase Price

70%

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
  • Equity in Primary Residence
  • Seller Financing
  • Family
TaliMar Financial will fund up to 70% of completion value for experienced investors which may include 100% of renovation costs. Pricing and loan structure will be dependent upon the borrower experience, property type, scope of work, and finished value.

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

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

1

Maximum After Repair Value

67.00%
TaliMar Financial will fund up to 70% of completion value of ground up construction, not exceed 75% of total project costs.

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

0%

Will Lend on Partially Completed Construction Projects

no

Details and Requirements

Typical Closing Time (Days)

3

Fastest Closing Time (Days)

1

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

no

Will lend to a foreign national

no

We will lend to foreign nationals.
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

yes

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
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

Legal Disclaimer

TaliMar Financial reserves the right to modify its loan terms at anytime.

TaliMar Financial Testimonials

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TaliMar Financial, headquartered in San Diego, is recognized as a leading California hard money lender for residential and commercial real estate. We are a direct lender, operating from a position of capital strength that allows us to secure immediate funding solutions for our clients. Our lending platform specializes in funding Fix & Flip, Construction, and Bridge Loans.

With a demonstrated commitment to accountability, transparency and personal service, TaliMar Financial has earned the trust of clients frustrated by the lack of flexibility among traditional lending institutions. Our clients rely on our ability to immediately underwrite each loan submission and quickly offer a creative funding solution.

License

CA DRE Lic. 01889802, NMLS ID 337721

Company Size (Number of Employees)

4

Year Established

2008

Associations

  • California Mortgage Association - Member
  • Urban Land Institute - Member

Office Locations

11440 West Bernardo Court, Suite #210, San Diego, CA 92127

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Family Offices
  • Single Capital Partner
  • Other Private Lending Companies
  • Bank Credit Line
  • Private Equity Funds
  • Hedge Funds
  • Friends & Family
  • Foundations
Alternative Capital Sources
  • Own Funds
  • Individual Investors
  • Other Private Lending Companies
  • Bank Credit Line
  • Private Equity Funds
  • Hedge Funds
  • Friends & Family
  • Foundations
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • One Investor One Loan
  • Multiple Investor Fractionalized Note
  • LLC Syndicated Investors
  • Multiple Lender Participation
Percentage of Loans Secured by Commercial Property

10%

Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)

15%

Total Number of Loans Funded to Date

655

Total Loan Volume Funded to Date

$327,000,000

Our Team

Brock Vandenberg

President

CA DRE Broker Lic. - 01851415
NMLS ID - 337606

Sarah Zybura

Investor Relations

CA DRE Lic. - 02099979

Funded Deals

Get In Touch

TaliMar Financial 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

  • California Properties Only
  • 20-35% Cash Required for Purchase
  • Up to 70% LTV for Bridge Loans

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO Land Loans

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