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Frequently Asked Questions

Do you provide financing outside of california

No, we are currently only financing projects in California.

Whats are your rates and fees?

You can see a summary of our loan terms by clicking here.

Where do you get your money from?

The funds we lend are that of the two Co-Presidents and an institutional private equity group which places capital from a state pension fund. We do not sell or broker our loans.

Do you work with Brokers?

Yes we do. Broker fees are paid by the borrower (brokers negotiate their fees directly with the borrower) and are in addition to our fees. Broker must be licensed as a California real estate broker. We can make note the broker fees in our loan proposal.

How fast can you close your loan?

Generally, we can fund a rehab loan in 5 business days or less, but it will depend on how quickly you can get us our due diligence and how fast escrow and title can move. Ground up construction loans generally take more time to close given their higher level of complexity and due diligence, so generally at least 2-3 weeks.

Can I invest with Pivotal?

No, we do not accept outside capital from investors. We only lend our own money.

do you offer 100% financing?

No, borrowers must provide some cash equity, depending on the loan type. For more information click here.

Can i live in the house while I rehab it?

No, you cannot live in any property that is secured by our loan. We only make business purpose loans and do not lend on owner-occupied homes.

Do you provide second or third lien loans or fund equity in joint ventures?

No, we only provide first position loans.

How long does it take to get a loan proposal?

We usually provide a formal loan proposal within 24 to 48 hours after submitting a loan request.