Direct Lender for Real Estate Investors Nationwide

Wilshire Quinn Capital has been in business since 2004 and manages a private money lending fund by the name of Wilshire Quinn Income Fund. As a direct private money lender, Wilshire Quinn can fund bridge loans quickly and is committed to providing exceptional service to its borrowers. We control the lending process which means fast answers and quick closings. Whether it is a purchase, refinance, cash out, or a multiple property loan, our private lending process is transparent and fast.

Property Geographic Area Details

Primary and Secondary Markets Nationwide

Loan Amounts

$200,000 to $10,000,000

Interest Rates

9% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 5%

Loan Terms

3 months to 24 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Commercial Condominium
  • Commercial Land
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Residential Land
  • Retail
  • Single Family Residence
  • Storage Facility
  • Vehicle Parking

Loan Types

  • Commercial Bridge

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

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 Another Investment Property

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

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

  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

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



Deposit Required

$0 to $0

Typically required once final loan approval is given

Escrow Fee

Fees which are mandatory for all new borrower clients

  • Deposit
  • Escrow Fee
  • Title Fee

Fees which are charged upfront prior to loan closing

  • Deposit

Fees which are paid to a third party company

  • Escrow Fee
  • Title Fee

Legal Disclaimer

Loans are made or arranged by Wilshire Quinn Income Fund, LLC pursuant to California Finance Lenders Law license #603J060. This website is for informational purposes only and is meant to provide general background information on Wilshire Quinn Income Fund, LLC and its manager, Wilshire Quinn Capital, Inc. Information contained on this website is deemed reliable but is not guaranteed. Nothing contained in this website is an offer or solicitation for the purchase or sale of any security. Any such offer to purchase securities will be made only through the Offering Circular for the Wilshire Quinn Income Fund. Only by reading the Offering Circular carefully can you determine whether the investment’s risk and conflicts of interest are acceptable to you.

Since 2004, Wilshire Quinn Capital Inc. has been a leader in the capital markets and serves as managing partner of the Wilshire Quinn Income Fund, a direct portfolio lender that originates bridge loans secured by real estate located primarily in California. Wilshire Quinn Capital provides financing to borrowers who are unable to obtain credit from traditional lending institutions. Our customer base is fairly diverse; borrowers range from corporations looking to refinance commercial buildings, to individuals who are looking to purchase or refinance an investment property. Wilshire Quinn is a premier hard money lender, financing commercial and residential properties up to $10 million.

We are a direct private money lender; we are not a loan broker. We know that time is of the essence for borrowers who may be seeking hard money loans or a private money loan. That’s why Wilshire Quinn Capital will work with you to fund your loan in just a matter of days.

Our successful track record is closely linked to our ability to make immediate lending decisions based on our highly disciplined underwriting approach. The emphasis on in-house loan origination allows our borrowers to move forward with confidence on their real estate transactions.

Wilshire Quinn Capital is open to partner with mortgage brokers and traditional lenders to provide a simple funding source for your commercial and non-owner occupied residential properties.


CFL #603J060

Year Established


Office Locations

Main Office
2550 Fifth Avenue, Suite 1070, San Diego, California 92103

LA Office
11601 Wilshire Blvd., Suite 500, Los Angeles, California 90025

SF Office
101 California Street, Suite 2710, San Francisco, California 94111

Primary Capital Source

  • Debt Fund We Manage

Alternative Capital Sources

  • Own Funds
  • Individual Investors
  • Family Offices
  • Private Equity Funds
  • Hedge Funds
  • Foundations

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Own Balance Sheet
  • One Investor One Loan
  • Multiple Investor Fractionalized Note
  • Table Funding with Capital Partner
  • LLC Syndicated Investors
  • Multiple Lender Participation
  • Table Funding with Bank
  • A/B Note Participation with Bank
  • A/B Note Participation with Private Investor

Percentage of company’s lending business focused on private mortgage


Christopher M. Garcia

CEO & Chief Investment Officer

Mr. Garcia is the Chief Executive Officer of Wilshire Quinn Capital, Inc. and the Chief Investment Officer of the Wilshire Quinn Income Fund, LLC. Mr. Garcia oversees all aspects of the Fund’s day-to-day operations, including loan acquisition, underwriting, and investor relations. In 1998, Mr. Garcia began his career as an assistant equities broker in the Encino, CA offices of Merrill Lynch. In 2000, he became a registered commodity trader, and as a result of his efforts, quickly became one of the country’s largest retail traders of interest rate derivatives. Capitalizing on this success, Mr. Garcia formed Wilshire Quinn Capital in 2004, with the vision of offering a diverse range of world-class investment products for his firm’s clients. Mr. Garcia launched the Wilshire Quinn Income Fund in September 2011, seeking to offer new and existing clients an investment product secured by real estate with low correlation to the equity and bond markets. Under his leadership and guidance, the Fund has realized high single digit returns on an annual basis, without any monthly drawdowns, and without the use of leverage. Mr. Garcia continues to outperform the overwhelming majority of credit and fixed income funds, both domestic and international, by employing a customer-first mentality and disciplined asset-based investment approach. Mr. Garcia has fostered numerous relationships with investors, borrowers, bankers, and financial professionals during his 14 year career as CEO. He has commanded leadership teams which are strategic and focused on creating value for its customers. Mr. Garcia resides in San Diego with his wife and their three children. He supports various organizations in Southern California, including The San Diego Foundation, The Ocean Institute, The High Country Boys and Girls Club, and his alma mater Loyola High School. Mr. Garcia received his bachelor’s degree from the University of California, Los Angeles (UCLA) and his MBA from Pepperdine University.

Anna Janiec

Managing Director

Anna joined Wilshire Quinn in February of 2012 and is responsible for transaction processing, tracking cash flows of the Fund, and communicating with borrowers and investors. Anna also manages investor files, performs data validations, coordinates meetings and travel arrangements, and ensures that day-to-day operations run smoothly and efficiently. Born in Connecticut, Anna currently resides in downtown San Diego. In her spare time Anna is an avid reader and is passionate about fitness and exercise. Anna supports the Rachel’s Women’s Center of the Catholic Charities Dioceses of San Diego, and the Olive Crest Foundation dedicated to enabling at-risk youth and families to become healthy, productive citizens. A graduate of Clemson University, Anna holds a Bachelor of Arts degree in Economics, with an emphasis in Business Administration.

Matthew Mielke

Director of Business Development

Matthew is the Director of Business Development at Wilshire Quinn and has been involved in all phases of the Fund’s growth since joining the firm in 2012. Matthew is principally responsible for capital raising and investor growth opportunities, as well as new loan originations. Matthew also plays an integral role in forming the sales and marketing strategies for the Fund. Prior to joining Wilshire Quinn, Matthew worked for the multinational marketing company Publicis Groupe in San Francisco and nationwide small business lender Reliant Funding in San Diego. Originally from the San Francisco area, Matthew lives in La Jolla where he is a frequent beachgoer and a sports enthusiast. He supports various organizations in San Diego including the Salvation Army and the Wounded Warrior Project. Matthew is a graduate from the University of Hawaii’s Shidler College of Business, with a Bachelor’s degree in Finance and earned his MBA from the University of Mississippi.

Daniel Goldberg

Director of Origination

Daniel is Director of Origination for the Fund and is responsible for credit analysis, due diligence, underwriting, and loan coordination. In 2006, Mr. Goldberg began his financial services career as a fixed income trader for Merrill Lynch in New York City. Prior to joining Wilshire Quinn he worked as Chief Investment Officer for Outside Edge Trading, a bond fund focusing on U.S. Government debt. His knowledge of the capital markets have added a valuable perspective to the Wilshire Quinn team. Originally from Long Island, Mr. Goldberg currently resides in San Diego and sits on the Board of Directors of The Water Collective, a non-profit organization that secures clean water in rural communities in Africa and India. Mr. Goldberg is a graduate of the University of Pennsylvania’s Wharton School of Business, with a bachelor’s degree in Finance.

Completed Transactions

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.

Photo Link

Add links to documents, photos, etc.

Attachment Link