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Loan Types

General Guidelines

Location California Only
Loan Amount $150,000 to $20+ Million
Interest Rate Starting at 8%
Loan Fee Starting at 1% (depends on loan term)
Loan Term Up to 24 Months
Lien Position First Lien 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
Location California Only
Loan Amount $150,000 to $20+ Million
Interest Rate Starting at 8%
Loan Fee Starting at 1% (depends on loan term)
Loan Term Up to 24 Months
Lien Position First Lien 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
  • Construction
  • Bridge
  • Rental Rehab
  • Property Types
  • Single Family Detached Condos/Townhomes 2+ Unit Multi-Family
  • Single Family Detached Condos/Townhomes 2+ Unit Multi-Family
  • Single Family Detached Condos/Townhomes 2+ Unit Multi-Family No Unimproved Land
  • Single Family Detached Condos/Townhomes 2+ Unit Multi-Family
  • Loan Purpose
  • Acquisition or Rehab
  • Ground Up Construction (shovel ready)
  • Acquisition (while obtaining permits), Cash-Out Refinance or Income Stabilization
  • Acquisition or Rehab
  • Loan To Purchase or As-In Value (AIV)
  • Up to 90%
  • Up to 75%
  • Up to 75%
  • Up to 80%
  • Loan To After Repair or Completed Value (ARV)
  • Up to 80%
  • Up to 75%
  • Up to 75%
  • Up to 80%
  • Rehab or Construction Financing
  • Up to 100% of Rehab Budget
  • Up to 75% of Total Project Budget, Including Financing
  • Not Applicable
  • Up to 100% of Rehab Budget
  • Closing Time
  • Approx. 5 Days
  • Approx. 14 Days
  • Approx. 5 Days
  • Approx. 5 Days
  • Personal Guarantee
  • None
  • Completion, Environmental, and Bad Acts
  • Bad Acts Only
  • Bad Acts Only
  • Interest Payments
  • Interest-Only Paid Monthly
  • Interest-Only Paid Monthly from Interest Reserve
  • Interest-Only Paid Monthly
  • Interest-Only Paid Monthly

Fix & Flip

Property Types

Single Family Detached Condos/Townhomes 2+ Unit Multi-Family

Loan Purpose

Acquisition or Rehab

Loan To Purchase or As-In 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

None

Property Types

Interest-Only Paid Monthly

Construction

Property Types

Single Family Detached Condos/Townhomes 2+ Unit Multi-Family

Loan Purpose

Ground Up Construction (shovel ready)

Loan To Purchase or As-In 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 Types

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-In 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 Types

Single Family Detached Condos/Townhomes 2+ Unit Multi-Family

Loan Purpose

Acquisition or Rehab

Loan To Purchase or As-In Value (AIV)

Up to 80%

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.

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