Private Loans
Fast private capital against luxury residential, commercial and apartment collateral when certainty of close matters more than rate.
View Terms →Ground-Up & Rehab
Construction Financing
Ground-up and rehab capital that converts to a permanent loan at conventional rates on completion.
We finance construction on luxury residential, apartment, retail, commercial, industrial and hotel properties, up to 90% of loan-to-construction-cost and loan amounts to $75 million.
Programs are built as short-term loans for investors, builders and new owners, with minimal- or no-documentation options where the deal supports it. When construction completes, the loan converts into a permanent loan at conventional rates — one underwriting desk from breaking ground to stabilization.
Luxury ResidentialApartmentRetailIndustrialHotel
Indicative TermsConstruction
LTC, up to90%
Max Loan*$75M
TermShort-Term → Perm
DocsMinimal / No-Doc
Ground-up and rehab capital to $75 million that converts to a permanent loan at conventional rates when the build completes.
Rates and terms shown are indicative, subject to change without notice, and subject to underwriting approval. This is not a commitment to lend.
*Subject to terms and conditions, a complete file, underwriting approval, title review and property valuation.
Why This Program
How we underwrite it.
One desk, ground to stabilization
The construction facility and its permanent takeout are underwritten together, so completion is not a refinancing scramble.
Minimal- and no-doc options
Where the collateral and the sponsor support it, we can keep documentation light.
Draws that track the schedule
Funding released against real progress, so the build is not waiting on the lender.
Loan Programs
Other programs.
Commercial
Short-term commercial bridge and hard money up to 90% of loan-to-cost, underwritten on equity and capacity rather than a scorecard.
View Terms →Apartments
Bridge and value-add financing underwritten on in-place and projected NOI, occupancy and unit mix — not collateral alone.
View Terms →Learn More
Related Reading
Guides on ground-up and rehab construction financing, from budgeting to draw schedules.
Ground-Up Construction Financing in California: What Lenders Review
What a ground-up construction lender looks at in California: land, plans and permits, budget, sponsor and contractor, draws and conversion to a permanent loan.
Read →Construction Loan Draw Schedule Explained for Borrowers
How construction loan draws work: draw requests, inspections, retainage, lien releases and working capital, plus habits that help each draw get funded faster.
Read →Rehab Loans vs. Ground-Up Construction Loans: Key Differences
How rehab and ground-up construction loans differ in underwriting, valuation, risk, timeline and documentation, and when each one fits your project.
Read →Send us the file.
We read it the same day. Approval in as little as 24 hours, subject to a complete file and underwriting.