Location
California Only
Loan Amount
$150,000 to $20+ Million
Interest Rate
Starting at 7%
Loan Fee
Starting at 1% (depends on loan term)
Loan Term
Up to 24 Months
Lien Position
First Lien Only
Location
California Only
Experience
Must have prior experience (no first-time investors)
Purpose
Business Purposes Only
Occupancy
Non-owner Occupied Only
Prepayment Penalty
None
Appraisals
Not Required
Subordinated Loans
Allowed
Borrower Type
Legal Business Entities (LLC, Inc., LP, etc.)
Credit Score
No Minimum FICO Requirements
 Fix & Flip |  Construction |  Bridge |  Rental Rehab |
Property Type Single Family Detached Condos/Townhomes 2+ Unit Multi-Family | Property Type Single Family Detached Condos/Townhomes 2+ Unit Multi-Family | Property Type Single Family Detached Condos/Townhomes 2+ Unit Multi-Family No Unimproved Land | Property Type Single Family Detached Condos/Townhomes 2+ Unit Multi-Family |
Loan Purpose Acquisition or Rehab | Loan Purpose Ground Up Construction (shovel ready) | Loan Purpose Acquisition (while obtaining permits), Cash-Out Refinance or Income Stabilization | Loan Purpose Acquisition or Rehab |
Loan To Purchase or Up to 85% | Loan To Purchase or Up to 75% | Loan To Purchase or Up to 75% | Loan To Purchase or Up to 85% |
Loan To After Repair or Completed Value (ARV) Up to 75% | Loan To After Repair or Completed Value (ARV) Up to 75% | Loan To After Repair or Completed Value (ARV) Up to 75% | Loan To After Repair or Completed Value (ARV) Up to 75% |
Rehab or Construction Financing Up to 100% of Rehab Budget | Rehab or Construction Financing Up to 75% of Total Project Budget, Including Financing | Rehab or Construction Financing Not Applicable | Rehab or Construction Financing Up to 100% of Rehab Budget |
Closing Time Approx. 5 Days | Closing Time Approx. 14 Days | Closing Time Approx. 5 Days | Closing Time Approx. 5 Days |
Personal Guarantee | Personal Guarantee Personal, Completion and Environmental Guarantees | Personal Guarantee | Personal Guarantee |
Personal Guarantee Interest-Only Paid Monthly | Personal Guarantee Interest-Only Paid Monthly from Interest Reserve | Personal Guarantee Interest-Only Paid Monthly | Personal Guarantee Interest-Only Paid Monthly |
Ready To Get Started?
Pivotal Capital is here to help get your project started. Call us, email us, or fill in our loan application and a staff member will contact you to get the loan you need today.