Your Private Lending Questions, Answered

A private lender provides financing outside traditional banks, often with more flexible structuring and faster execution. Top California Lender focuses on larger-balance commercial real estate loans, typically from $5 million to $100 million+, with product-specific terms, competitive fixed-rate options, and a streamlined underwriting process.

We finance a variety of commercial properties, such as retail centers, office buildings, industrial facilities, multi-family units, and raw land for development. Visit our Loan Programs page for detailed information on rehab, construction, bridge loans, and more, all customized to meet your project’s needs.

Initial file review is typically completed within 24–48 hours. Qualified borrowers may receive indicative terms within 5–7 business days, and many transactions close in about 8 business days once underwriting, due diligence, and required documentation are complete.

Loan amounts typically range from $5 million to $100 million+, depending on the program and collateral. Terms vary by product and may range from 6 to 72 months. Pricing, leverage, and structure depend on asset type, business plan, market conditions, and borrower qualifications.

A non-recourse loan means your personal assets aren’t at risk—only the property secures the loan. All our loans are non-recourse, unlike some private lenders or banks that require personal guarantees, making us a safer choice for high net worth investors.

Rates vary by program, leverage, asset class, and market conditions. Fixed rates typically start at 8.9%, with final pricing determined during underwriting.

No, perfect credit is not required. We prioritize the property’s equity and cash flow potential over your credit score. Our flexible approach has enabled us to fund over 420 successful deals since 2018, even for clients with less-than-perfect credit.

Unlike traditional banks that may take weeks or months to fund and require extensive documentation, we fund loans in just 8 days. Our non-recourse loans come without the red tape, making us a faster and more flexible option for commercial real estate financing.

Absolutely! You can refinance or pay off your loan early without any prepayment penalties. This flexibility sets us apart from other lenders and has contributed to our high broker retention rate.

Start by submitting your project details via our online application on our website at www.topcalifornialender.com/apply-now or call us at ‪(424) 209-7104‬. We’ll assess your property within 24 hours and deliver a custom offer fast. With over $1.3B funded, our process is proven to get you funded in 8 days.