California Bridge, Construction & Private Money Loan Programs
FK Capital Fund Inc. provides California hard money loan programs for business-purpose real estate transactions secured by residential and commercial property. Our programs include bridge loans, hard money construction loans, rehab loans, land loans, and selective 2nd trust deed financing.
Each loan is reviewed based on collateral value, borrower equity, lien position, loan purpose, sponsor experience, available documentation, and exit strategy. For borrowers or brokers reviewing terms such as LTV, CLTV, lien position, or exit strategy, our Private Lending & Mortgage Glossary explains common real estate finance terminology.
The matrix below provides general program guidelines. It is not a commitment to lend, and all loans remain subject to underwriting, collateral valuation, title review, available capital, and final approval. You can also view examples of prior Featured Transactions or submit a scenario through our Online Submission Form.
Which Loan Program Fits?
- Bridge Loans: Short-term financing for purchases, refinances, cash-out, or time-sensitive real estate transactions with a defined exit strategy.
- 2nd Trust Deed Loans: Selective structured financing behind an existing senior lien when equity, borrower strength, senior debt, lien position, and exit strategy support the risk.
- Land Loans: Financing for infill or raw land scenarios where valuation, location, entitlement status, and exit strategy are supportable.
- Rehab Loans: Short-term financing for fix-and-flip or value-add projects with a clear scope, budget, borrower equity, and completion plan.
- Construction Loans: Capital for shovel-ready ground-up construction or major rehab projects where plans, permits, budget, sponsor experience, and exit strategy are supportable. Learn more about hard money construction loans.
Mortgage brokers and referral partners can also review our Broker Portal for broker-focused guidelines and submission information.
| 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 LTVs 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, borrower parameters, underwriting guidelines, and risk profile.
Loan Program Disclosure
The information above is for general informational purposes only and does not constitute a commitment to lend, offer of credit, or loan approval. All loans are subject to underwriting, collateral valuation, title review, borrower/sponsor review, loan purpose, available capital, and final approval by FK Capital Fund.
Rates, fees, loan amounts, LTV/CLTV/LTC limits, closing timelines, terms, and conditions may vary by transaction and are subject to change without notice. “As low as” rates and maximum leverage guidelines are generally reserved for stronger transactions with acceptable collateral, borrower profile, exit strategy, and supporting documentation.
FK Capital Fund primarily provides business-purpose loans secured by real estate. Loans are not intended for personal, family, or household consumer purposes unless expressly permitted and documented.
Construction, rehab, second trust deed, and land loans may require additional review, documentation, reserves, draw controls, inspections, valuation support, senior lien review, entitlement review, title review, and other transaction-specific conditions.
FK Capital Fund, Inc. — DRE #01932648 | NMLS #1166705