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Direct Hard Money Lender

Direct Hard Money Lender

Money Lender

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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 ratingThe team at PB Financial is simply amazing. We have been working closely with them for years now... read moreThe team at PB Financial is simply amazing. We have been working closely with them for years now and I can't say enough good things to justify their customer service, their quick turn times, and overall process. Due to their quick and easy process I have gained many more clients who are not only happy but excited to refer us more business!

Thank you again PB Financial! Looks forward to many more successful years together!

ML Mortgage Team
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Zain S. Avatar
Zain S.
1/28/2019

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.
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M W.
3/01/2019

5 star ratingSmooth transaction ! PB Financial made a stressful situation pleasant. Thank you to PB Financial and their dedicated... read moreSmooth transaction ! PB Financial made a stressful situation pleasant. Thank you to PB Financial and their dedicated team ! I will definitely contact PB for future hard money finding needs ! read less

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Michael R. Avatar
Michael R.
12/09/2015

5 star ratingI needed a mortgage loan for a second property. Pouyan and Paul from PB Financial came through... read moreI needed a mortgage loan for a second property. Pouyan and Paul from PB Financial came through and were very helpful. I will definitely be using them for future investments. read less

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Charles P. Avatar
Charles P.
3/13/2017

5 star ratingIf you are looking for a company that can get the job done, call them. PB Financial... read moreIf you are looking for a company that can get the job done, call them. PB Financial is an outstanding company ready to help. read less

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Luis V. Avatar
Luis V.
3/06/2019

5 star ratingI am a CEO of a company that is in the beauty industry and has BOOMED within the... read moreI am a CEO of a company that is in the beauty industry and has BOOMED within the last 3 years, money is always something that is needed! PB Financial has been the easiest and most reliable business transaction I've gone through since I started my business! We recently signed with 2 huge retailers and needed funds for a huge purchase order and PB Financial allowed us to be able to fulfill those orders! We are super grateful. Thank you PB Financial! read less

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Mary N.
5/04/2016

5 star ratingPouyan and Peyman are super professional and got my paperwork done quick. Reasonable loans with great service. If... read morePouyan and Peyman are super professional and got my paperwork done quick. Reasonable loans with great service. If you need money quick for refinancing or purchase these are the guys for it. read less

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Aaron B. Avatar
Aaron B.
12/02/2017

5 star ratingWonderful experience, awesome company and super great, nice, friendly and caring team!
I have been doing business with...
read moreWonderful experience, awesome company and super great, nice, friendly and caring team!
I have been doing business with Peyman and his team as a borrower at PB Financial over 10 years with great satisfaction. Never been disappointed. Peyman always made sure that the transaction gets close on time, without any hardship on his borrower! He is always on top of the line. Great pricing and great team work. Paul is always prompt on replying my emails and following up with my loan documentation needs asap something that you wont see with other banks underwriters!
I will definitely recommend Peyman and PB Financial as your number one mortgage needs.
Thank you Peyman and thank you Paul for all your hard and professional work! You guys are the BEST.
Linda Bej
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Lin K.
9/30/2019

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.

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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.