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General Guidelines

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
As-Is Value (AIV)

Up to 85%

Loan To Purchase or
As-Is Value (AIV)

Up to 75%

Loan To Purchase or
As-Is Value (AIV)

Up to 75%

Loan To Purchase or
As-Is Value (AIV)

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.

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