Top California Lender - FAQs

Question 1

What is a private lender, and how is Top California Lender different?

Accepted Answer

A private lender provides financing outside traditional banks, often with more flexibility and speed. Top California Lender stands out by funding commercial real estate loans from $3M to $100M+ in just 8 days—faster than most banks or private lenders. Since 2018, we’ve deployed over $1.3 billion across 420+ deals, offering non-recourse loans with fixed rates and no prepayment penalties.

Question 2

What types of properties does Top California Lender finance?

Accepted Answer

We finance a wide range of commercial properties, including retail centers, office buildings, industrial facilities, multi-family units, and raw land for development. Check our Loan Programs page for specifics on rehab, construction, bridge, and more—all tailored to your project’s needs.

Question 3

How fast can I get funding from Top California Lender?

Accepted Answer

We close loans in an industry-leading 8 days, thanks to our streamlined, equity-driven process and AI-powered underwriting. Since 2018, this speed has helped us fund over 420 deals nationwide, getting capital to you when you need it most.

Question 4

What are the loan amounts and terms offered by Top California Lender?

Accepted Answer

Our loans range from $2M to $75M, with terms from 6 months to 60 months, depending on the program (e.g., bridge loans at 6-24 months, acquisition loans at 12-48 months). All feature fixed rates (9%-10.5%) and no prepayment penalties, giving you flexibility in 2025’s market.

Question 5

What is a non-recourse loan, and does Top California Lender offer them?

Accepted Answer

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.

Question 6

What interest rates can I expect from Top California Lender?

Accepted Answer

Our fixed interest rates range from 9% to 10.5%, depending on the loan type (e.g., 9% for equity cash-out, 10.5% for construction). These competitive rates, paired with no prepayment penalties, reflect 2025 private lending standards and our $1.3B funding track record.

Question 7

Do I need perfect credit to qualify for a loan with Top California Lender?

Accepted Answer

No, we focus on the property’s equity and cash flow potential, not just your credit score. Unlike banks with rigid credit requirements, our equity-driven approach has fueled 420+ successful deals since 2018, even for borrowers with less-than-perfect credit.

Question 8

What’s the difference between Top California Lender and a bank loan?

Accepted Answer

Banks often take weeks or months to fund, require extensive documentation, and may impose recourse terms. We fund in 8 days, offer non-recourse loans, and skip the red tape, making us a faster, more flexible choice for commercial real estate financing in 2025.

Question 9

Can I refinance or pay off my loan early with Top California Lender?

Accepted Answer

Yes! We have no prepayment penalties, unlike some private lenders or banks. Whether you refinance or sell, you can pay off your loan early without extra costs—a perk that’s helped us maintain a 95% broker retention rate in 2025.

Question 10

How do I apply for a loan with Top California Lender?

Accepted Answer

Start by submitting your project details via our online application or call us at (424) 209-7164. 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.

Your Private Lending Questions, Answered

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