financing Montecito real estate investors directly. Fix-and-flip, bridge, construction, and commercial loan programs available directly from us across Santa Barbara and Ventura counties.
7–14 days
to close
Up to 90%
loan-to-cost
$100K – $20M
loan range
No minimum
credit score
Loan programs available directly from us.
Short-term financing designed for real estate investors purchasing, renovating, and reselling properties for profit. Fast approval and funding for time-sensitive deals.
Specialized financing for property renovation projects. Fund both purchase and improvement costs with flexible terms tailored to your renovation timeline.
Hard money financing for property rehabilitation projects. Quick access to capital for distressed properties requiring extensive repairs or updates.
Short-term financing that bridges the gap between transactions. Ideal when you need to purchase a new property before selling an existing one.
Financing for ground-up construction projects and major developments. Flexible draw schedules and terms designed for builders and developers.
Hard money financing for commercial property acquisitions, refinances, and improvements. Fast approval for office, retail, industrial, and multifamily properties.
Financing for residential investment properties including single-family rentals, multifamily buildings, and vacation rentals. Asset-based lending with flexible terms.
Access equity in your investment properties quickly. Cash-out refinancing to fund new acquisitions, improvements, or business expansion.
Asset-based lending secured by real estate. Fast, flexible financing when traditional banks can't deliver. Perfect for time-sensitive opportunities.
We underwrite on the property — not your tax returns, not your credit score, not your employment history.
Most term sheets issued within 24 hours.
financing investors directly across Montecito, Santa Barbara County, and Ventura County.
All service areas →Send us the basics and we'll finance you directly who may be able to help.
