California Private Money Lender

Commercial and Apartment Real Estate Loans

Wilshire Finance Partners provides bridge loans for commercial and apartment real estate throughout the state of California including:

Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San, Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, Huntington Beach, Santa Clarita, Garden Grove, Santa Rosa, Oceanside, Rancho Cucamonga, Ontario, Lancaster, Elk Grove, Palmdale, Corona, Salinas, Pomona, Torrance, Hayward, Escondido, Sunnyvale, Pasadena, Fullerton, Orange, Thousand Oaks, Visalia, Simi Valley, Concord, Roseville, Santa Clara, Vallejo, Victorville, El Monte, Berkeley, Downey, Costa Mesa, Inglewood, Ventura, West Covina, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Jurupa Valley, South Gate, Vista, Mission Viejo, Vacaville, Carson, Hesperia, Redding, Santa Monica, Westminster, Santa Barbara, Chico, Whittier, Newport Beach, and all other cities and counties in California.

 

General Lending Criteria

Direct Private Lender: Loans Underwritten & Funded In-House

Loans: $1,000,000 to $5,000,000

Property States: CA, CO, FL, HI, ID, IL, MD, NM, OR, TX, UT, VA, WA

We provide real estate loans for a variety of transaction types:

  • Property Purchase
  • Cash-Out Refinance / Cash-Out Loan
  • Rate and Term Refinance
  • Special Situation Lending

Property Types:

  • Apartment/Multifamily (5+ Units)
  • Office
  • Retail
  • Mixed Use
  • Warehouse
  • Light Industrial
  • Senior Assisted Living
  • Sober Living (CA Only)
  • 2-4 Unit (CA Only)
  • Non-Owner Occupied SFR (CA Only)

LTV up to 65% Commercial Real Estate; up to 70% Multifamily (5+ Units)
Interest Only Amortization
Term: 3 year fixed, I/O with balloon
No Prepayment Penalty Option
Non-Recourse Available

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Delivering the Confidence to Close™

We’re different from other lenders because you speak directly to decision makers with deployable capital.

Done Deals

California Real Estate Market News:

California Leads Nation In Biotech

“California remains the nation’s strongest biotech job market, growing by 2% between 2014 and 2015, according to a new California Life Sciences Association report.” – BisNow

Multifamily Deliveries Slow as Worker Scarcity Increases Construction Times

“With more than 550,000 units under construction, U.S. multifamily deliveries were expected to reach a cycle peak in 2017. However, through three quarters new supply is running only slightly ahead of last year’s 281,000 deliveries, and construction times from start to finish are taking much longer than historical norms.” – Commercial Property Executive

Rent Control in California Could Expand Dramatically Under a Possible 2018 Initiative

“California’s cities and counties would be able to dramatically expand rent control under a potential 2018 statewide ballot initiative filed Monday. The initiative would repeal the landmark Costa-Hawkins Act, a 1995 law that barred rent caps on single-family homes and apartments built after that year.” – LA Times

 

 

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