• Skip to main content
Direct Hard Money Lender

Direct Hard Money Lender

Money Lender

CALL US TODAY:  877.700.3703

Home

CALIFORNIA HARD MONEY LOANS

    • Residential/ Commercial Loans
    • Stated Income/ NO Doc Loans
    • Terms from 11 months to 5 years
    • Loans in 1st, 2nd and 3rd Position
    • 6 to 24 hour loan approvals
    • No cash-out restrictions

    FREE MORTGAGE QUOTE!

    Hard Money Real Estate Loans

    PB Financial Group is a Californian specialist that arranges asset-backed, equity-based loans for real estate. This includes clients who require refinancing and bridge loan solutions.

    PB’s track record in the Golden State highlights a 13-year history of funding over 2400 hard money deals, with an accumulated value of $200,000,000 (plus). This has been achieved across industrial, commercial, mixed-use and residential property markets, signifying our ability to provide you with the best guidance in the key commercial and residential property categories.

    The bottom line is this: PB Financial Group will get you the required funding in California via a stress-free process that closes with proficiency and speed. The specifics around this are as follows:

    • The small print as it relates to fees is dealt with up front in the spirit of full transparency.
    • PB’s ability to approve client applications in the first 24 hours is well known, as is its seamless process in funding your direct loan in no more than 5 days.
    • We routinely approve LTV of 70% but there are cases (i.e. purchase transactions) where we can go as high as 80%. When it comes to refinancing contracts the LTV drops a little to range between 60 – 65%.
    • Our clients invest individually or through their partnerships, trusts, corporations, LLCs, Delaware Corporations, estates, and even their foreign national entities. We have the expertise to accommodate all of these structures.
    • PB gives its clients access to the most competitive interest rates, the best redemption terms, and the fastest turn times in the industry today. Don’t just take our word for this: 5-star Yelp and Google ratings confirm our reputation as the foremost private hard money lender in every Californian city, as does our untarnished record of 2,200 real estate deal closings.

    PB Financial Group is active in California as the leading Hard Money Loan and Refinancing specialist.

    PB has the experience and the funding range to meet almost every client need when it comes to securing real estate loans. We leave no stone unturned knowing that circumstances and dimensions of every loan application cover a wide spectrum. This may indeed encompass fix-and-flip situations, distressed property, probate financing, estates & trust funding, and apartment building (rental) leverage. Another example: we deal every day with the different requirements as they attach to owner-occupied and non-owner occupied properties.

    Refinancing in California has become a growing client requirement. Mortgages arranged years ago are now maturing along with sometimes-huge balloon payment requirements. Also, variable interest rate increases under the latest Fed monetary policies are playing havoc with asset-backed loan viability. In all these instances PB is indeed at the forefront of arranging bridge loans and other refinancing accommodations to close these gaps. We will seamlessly transition you from your current loan to a new permanent loan; one that will align with the changing conditions affecting your property.

    All this aside, please appreciate that our core business is hard money lending for residential, commercial and land real estate in the first and second position.

    PB’s direct hard money loan offer to commercial entities and investors in California has compelling features

    We are the go-to financier of such diverse real estate categories as multi-family complexes, office buildings, retail, self-storage, warehouses, mix-used lands, new construction, and more.

    Local banks and traditional lenders have explicitly registered their unwillingness to finance cash-outs on client properties that have over time accumulated capital appreciation. PB has stepped into the breach to provide attractive options that will get hard cash into your hands, with no limit, on the strength of the existing asset. This can be applied to possibly invest in new real estate opportunities without disrupting the former.

    When you enter our domain you are treated with a respect that has no bearing on the advance you are looking to secure. We provide VIP treatment to each and every prospective client and we are ready to consider applications ranging from as low as $50,000 all the way up to $2 million. Moreover, as private direct lenders, we have no middlemen to deal with and no drawn-out committee approvals. Decisions regarding your funding are made quickly and incisively.

    California Bridge Loans: a staple product offered by PB Financial Group

    Aside from the issues mentioned above that place clients in line for bridge loans (i.e. maturing mortgages with balloon payments; rising interest rates) there are other qualifying situations: many property owners in California go through a transitional process that often involves build-outs or renovations. This, in turn, sometimes disrupts revenue generation, thus creating an aura of uncertainty. Traditional bank lenders are unwilling to work through these convolutions, thus leaving clients in a chasm of uncertainty at critical times in their investment cycle.

    PB has seized the opportunity to meet these special needs with a range of conduit loans, commonly referred to as bridge funding. In reality, it translates to a financing arrangement that enables an existing loan under pressure (for any the above-stated reasons) to transition into a new loan that will take the completed asset changes into account. At the same time, the terms and interest rates of the bridge loan should not be onerous in any way. We understand all this and how it works best for property investors in California. Our interim funding arrangements generally bring a smile to the faces of our clients applying for this specialized financing.

    YELP LOVES US

    5 star ratingI have worked with PB for years now and his service is excellent. He delivers each time... read moreI have worked with PB for years now and his service is excellent. He delivers each time and is quick to respond. We just closed two more private money loans with him and I couldn't be more pleased.
    Laura W. Courtesy Mortgage Company
    read less

    Yelp Logo
    Laura W. Avatar
    Laura W.
    10/10/2014

    5 star ratingThey do what they say, and say what they do; easy to work with and no bull! Use... read moreThey do what they say, and say what they do; easy to work with and no bull! Use 'em next time 🙂 -ap read less

    Yelp Logo
    Adrian P. Avatar
    Adrian P.
    2/17/2014

    5 star ratingI worked with PB Financial to help a customer of mine recently. I am a broker in... read moreI worked with PB Financial to help a customer of mine recently. I am a broker in San Diego. It went smooth, quick and easy!
    Very pleased with their service.
    Laura W.
    read less

    Yelp Logo
    Laura W. Avatar
    Laura W.
    1/07/2021

    5 star ratingVery reliable and professional with flexible options for a variety of financial situations. I've used them for... read moreVery reliable and professional with flexible options for a variety of financial situations. I've used them for three loans so far, and plan on working with them again. read less

    Yelp Logo
    Christopher B. Avatar
    Christopher B.
    9/22/2013

    5 star ratingI was referred to PB financial by a friend and I could not be happier with the service... read moreI was referred to PB financial by a friend and I could not be happier with the service I got.
    I was in a very stressful situation and on the verge of giving up. As soon as I contacted PB they instantly made my worry go away. I would highly recommend them to anyone in need of quick funding.
    Very competitive pricing! Honest and helpful team! Good Service!
    Thank you PB Financial!
    read less

    Yelp Logo
    Adel T. Avatar
    Adel T.
    12/22/2015

    5 star ratingI have been a mortgage broker since 2005 and have seen it all and worked with everyone you've... read moreI have been a mortgage broker since 2005 and have seen it all and worked with everyone you've heard of.

    PB is my go-to hands down for any private lending needs. Common sense lending, excellent customer service and response time and highly competitive terms.

    My 1st choice every time.
    read less

    Yelp Logo
    M W. Avatar
    M W.
    3/01/2019

    5 star ratingPouyan got me a quick loan, he was well organized and had communication with me on every step.
    it...
    read morePouyan got me a quick loan, he was well organized and had communication with me on every step.
    it was smooth and would use him again on my quick loans I need for approval
    read less

    Yelp Logo
    Robert K. Avatar
    Robert K.
    1/30/2018

    5 star ratingI have to admit that for most of the time that I was dealing with these guys I... read moreI have to admit that for most of the time that I was dealing with these guys I was waiting for something to go wrong. I have only ever heard bad things about hard money loans and I'm not a house flipper so I was scared and skeptical. But...things couldn't have gone more smoothly. Peyman was super patient with me, despite the fact that I must have been driving him crazy with all my anxiety. Not to mention he entertained my phone calls for 6 months until I finally moved forward with a purchase. PB financial came through with a better offer than anyone else end followed through with everything they promised. read less

    Yelp Logo
    Angela S. Avatar
    Angela S.
    9/17/2015

    13

    Years In Business

    2400+

    Transactions Funded

    58+

    California Counties We Lend In

    5

    Days Closings Available

    CONTACT PB TODAY

    PB Financial Group is a direct hard money / private money lender you can depend on and trust. Our loans help our clients get back on track or seize new opportunities. To learn more, call us today at 877.700.3707 or email us at info@calhardmoney.com and let us provide you with a hard money loan.

    Copyright © 2023 · Business Pro Theme on Genesis Framework · WordPress · Log in

    Copyright © 2023 Direct Hard Money Lender | Privacy Ploicy
    DRE# 01522495 and NMLS# 357614

    Disclosures: **Per FDIC Regulations Section 6500, Part 226, Subpart C, 226.24. The amount of each payment that will apply over the term of the loan is based on simple annual interest applied to the unpaid balance. Loans range from 1 day to 60 months, are interest only and include a balloon payment due at term. Finance charges apply. Payments do not include amounts for property taxes or insurance premiums. This is not a commitment to lend. Rates and points are subject to change without notice.