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.

Please note: at this time we will not consider land, value-add, construction, or owner-occupied homes.

Property Geographic Area Details
Nationwide, but focusing on California in 2020
Loan Amounts
$200,000 to $10,000,000
Interest Rates
9% to 12%
Loan Terms
3 months to 24 months
Origination Fees
2% to 5%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
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

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

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge

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

Deposit Required

Typically required once final loan approval is given

Fees which are mandatory for all new borrower clients

  • Deposit
  • Escrow Fee
  • Title Fee

Fees which are paid to a third party company

  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


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


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.

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Wilshire Quinn Capital 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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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

Our Team

Christopher M. Garcia

CEO & Chief Investment Officer

Anna Janiec

Managing Director

Matthew Mielke

Director of Business Development

Daniel Goldberg

Director of Origination

Funded Deals

Get In Touch

Wilshire Quinn Capital 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
Before You Contact Us

Our Minimum Loan Amount Is


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