Your Private Lending Questions, Answered

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.

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.

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.

Our loans range from $3M to $100M+, 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.

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.

You can expect fixed interest rates ranging from 9% to 10.5%, depending on the loan type. For example, equity cash-out loans have a 9% rate, while construction loans are at 10.5%. These competitive rates come with no prepayment penalties, reflecting our commitment to providing top-tier private lending solutions.

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) 209-7164‬. 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.