Ready to get started? Call now to speak with a team member: (949) 535-1530
Location
California Only
Loan Amount
$150,000 to $20+ Million
Interest Rate
Starting at 5.99%
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 Entites (LLC, Inc., LP, etc.) and individuals
Credit Score
No Minimum FICO Requirements
Fix & Flip
Property Type
Single Family Detached Condos/Townhomes 2+ Unit Multi-Family
Loan Purpose
Acquisition or Rehab
Loan To Purchase or
As-Is Value (AIV)
Up to 85%
Loan To After Repair or Completed Value (ARV)
Up to 75%
Rehab or Construction Financing
Up to 100% of Rehab Budget
Closing Time
Approx. 5 Days
Personal Guarantee
BAO Acts Only
Interest Payments
Interest-Only Paid Monthly
Construction
Property Type
Single Family Detached Condos/Townhomes 2+ Unit Multi-Family
Loan Purpose
Ground Up Construction (shovel ready)
Loan To Purchase or
As-Is Value (AIV)
Up to 75%
Loan To After Repair or Completed Value (ARV)
Up to 75%
Rehab or Construction Financing
Up to 75% of Total Project Budget, Including Financing
Closing Time
Approx. 14 Days
Personal Guarantee
Completion, Environmental, and Bad Acts
Interest Payments
Interest-Only Paid Monthly from Interest Reserve
Bridge
Property Type
Single Family Detached Condos/Townhomes 2+ Unit Multi-Family No Unimproved Land
Loan Purpose
Acquisition (while obtaining permits), Cash-Out Refinance or Income Stabilization
Loan To Purchase or
As-Is Value (AIV)
Up to 75%
Loan To After Repair or Completed Value (ARV)
Up to 75%
Rehab or Construction Financing
Not Applicable
Closing Time
Approx. 5 Days
Personal Guarantee
Bad Acts Only
Interest Payments
Interest-Only Paid Monthly
Rental Rehab
Property Type
Single Family Detached Condos/Townhomes 2+ Unit Multi-Family
Loan Purpose
Acquisition or Rehab
Loan To Purchase or
As-Is Value (AIV)
Up to 90%
Loan To After Repair or Completed Value (ARV)
Up to 80%
Rehab or Construction Financing
Up to 100% of Rehab Budget
Closing Time
Approx. 5 Days
Personal Guarantee
Bad Acts Only
Interest Payments
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.