California Bridge, Construction & Private Money Loan Programs
FK CAPITAL FUND is a bridge lender and wholesale hard money lender based in San Clemente, California. We successfully serve California’s bridge lending market by providing short-term hard money loans secured by commercial and residential real estate. Our financing is fast, flexible and structured around each individual client. We come from a background of real estate development, investing, and real estate law. Our knowledge of the real estate market enables us to create a niche that is win-win for everyone.
| Construction Loans | ||||||
| 1st Trust Deed |
2nd Trust Deed |
Land Loans | High LTV Rehab Loans |
Construction Loans |
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| 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 |
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| 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