California Private Lender for Mortgage Brokers
Bridge • 2nd Trust Deeds • Ground-Up Construction across California.
Fast, Clear feedback, a Repeatable Submission Process.
FK Capital Fund Inc. works with mortgage brokers, bankers, and referral partners who need reliable California private lending options for business-purpose real estate transactions. We focus on bridge loans, selective 2nd trust deed financing, rehab loans, land loans, and ground-up construction loans secured by residential and commercial real estate.
Our broker channel is built around fast feedback, clear conditions, practical underwriting, and repeatable submission standards. We review each loan based on collateral value, borrower equity, lien position, loan purpose, sponsor strength, documentation, and exit strategy. For general program parameters and submission requirements, brokers can review our Hard Money Loan Programs.
If the file fits, we move quickly. If it does not, we try to give brokers a clear answer early so they can protect their client relationship and avoid wasting time. To submit a file, use our Online Submission Form. Brokers reviewing common lending terms can also reference our Private Lending & Mortgage Glossary or view examples of prior Featured Transactions.
Deal Certainty | California focus | Business-purpose loans | $100,000 minimum loan amount | Up to 70% LTV
Proof of execution: Featured Transactions
Quick Broker Guidelines
- California business-purpose loans only
- Bridge, rehab, construction, land, and selective 2nd trust deed scenarios
- Residential, commercial, mixed-use, and land collateral considered
- Complete files receive the fastest review
General Parameters
- Minimum loan amount generally $100,000
- Up to 70% LTV or CLTV, depending on the transaction
- Loan terms generally 6 to 36 months
- California-only collateral
- Business-purpose transactions only
- Informational only; not an offer to lend
The matrix below provides general program guidelines for broker submissions. Final pricing, leverage, terms, conditions, and closing timelines depend on the specific transaction, collateral, borrower profile, documentation, lien position, and exit strategy.
| Construction Loans | ||||||
| 1st Trust Deed |
2nd Trust Deed |
Land Loans | High LTV Rehab Loans |
Construction Loans |
||
| As low as 8.99%6 | As low as 9.99%6 | As low as 10.99%6 | As low as 9.99%6 | As low as 9.99%6 | ||
| Up to 70%1 | Up to 70%1 | Up to 50%2 | Up to 85% LTC 65% of ARV |
Up to 75% of Cost 65% of ARV |
||
| Appraisal, BPO and/or Site Inspection Required Case-by-Case | ||||||
| Business Purpose Loans Only | ||||||
| 1st | 2nd | 1st | ||||
| Up to $5,000,0008 | ||||||
| Up to 36 Months4 | 12 Months3 4 | 12 Months w/ Extensions | ||||
| Case-by-Case | None | |||||
| 1 – 3 pts | 2 – 4 pts | 2 – 3 pts | ||||
| As little as 3 days with Full Package7 | 2 – 4 Weeks | |||||
| California Only | ||||||
| Residential & Commercial | Residential5 | |||||
| 1 Compensating Factors Required for LTV’s between 65% and 70%. Loan may be structured as 1st and 2nd Trust Deed.
2 Infill lots to 50% LTV. Raw land loans to 25% LTV. 3 A strategy with the subject property is required 4 Exceptions available to a 120 month term. |
| 5 Some limited commercial construction is available.
6 Exceptions available for a lower rate for well qualified borrowers. 7 Full Package includes title, insurance, appraisal/valuation, etc. 8 Higher loan amounts considered Case-by-Case. |
Final pricing including rates, fees, and maximum LTV/CLTV may vary based on the loan and borrower parameters according to our underwriting guidelines and the risk profile.
Broker FAQ
Tools and Documents
With every wholesale hard money loan submission, please include either photos, an MLS listing, an appraisal, and our Submission Form Online or PDF version. See our Submission Requirements for more specific details.