Business Purpose Bridge Loans

Apply for a Loan with Pacific Private Money

If you’re seeking a fast, private financing solution to seize a business opportunity, contact our team today or submit a loan scenario below. We’ll help structure a solution that gets your deal done.

Please complete the form below. Your information will be kept strictly confidential. Once we receive your submission, a team member will contact you promptly. If submitted after business hours or over the weekend, we’ll follow up the next business day.

Prefer to speak with someone directly? Call us at 415-926-4444 during business hours and ask to speak with a loan agent.

Fast, Flexible Bridge Loans

Our Private Money Business Purpose Bridge Loan Program is designed for real estate investors and business borrowers who need fast, short-term capital. These loans are ideal for non-owner-occupied residential or mixed-use properties where speed, flexibility, and minimal documentation are essential.

A business purpose bridge loan is a short-term, asset-based loan secured by real estate and used for business or investment purposes. Unlike conventional loans, our private money solution focuses on equity and exit strategy rather than income documentation or credit score.

When to Use This Loan

• Acquiring a property quickly while waiting on conventional financing.
• Cash-out refinance to access trapped equity in investment properties.
• Bridge to resale, refinance, or stabilization.
• Transitional properties or value-add plays.
• Time-sensitive business opportunities.

Borrower Profile

This loan is ideal for investors, developers, LLCs, corporations, and individuals acquiring or refinancing properties for business use. No appraisal or tax returns required. Stated income and stated asset structure available.

Loan Highlights

• Starting Rate: 10.75%
• Max LTV: 70% | 100% Purchase Financing w/ Additional Collateral
• Loan Term: Up to 18 Months IO (Dependent on Occupancy and Other Factors)
• Loan Amounts: Up to $1.5M | Over $1.5M on Case by Case Basis
• Property Types: SFRs, Condos, 2–4 Units, Mixed-Use, Townhomes (Owner-Occupied OK)
• Lien Position: 1st on Acquisition, 1st or 2nd on Cross Collateral
• Personal Guarantee: Yes (Inquire for Non-Recourse)
• No Appraisal Required
• Fast Closings — In as little as 7–10 days

Please Note: For mortgage professionals only. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the general public is prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualifications.

Where We Lend

Pacific Private Money is licensed to make consumer-purpose loans in the following states:

California, Oregon, Washington, Idaho, Arizona, Colorado, Texas, Georgia, Michigan, and Washington, D.C.

We also fund business-purpose loans in many states that do not require lender licensing for non-owner-occupied investment properties, these states include:

Arkansas, Colorado, Connecticut, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming.

Please Note: Lending eligibility in certain states may vary based on borrower type (e.g., individual vs. entity), property classification (e.g., residential 1–4 unit vs. commercial), and occupancy status. All loans must be for business or investment purposes and are subject to compliance with applicable state regulations.

Previously Funded Loans