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Direct Hard Money Lender

Direct Hard Money Lender

Money Lender

CALL US TODAY:  877.700.3703

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 Lenders active in California

    PB Financial Group is a real estate funder that’s impacted cities throughout California, especially in the area of refinancing and bridge loans. It’s not often that a dedicated lender of PB’s caliber is available to investors in industrial, commercial, mixed-use and residential property markets alike. Our2400 hard money deals accumulated since 2006, generating over $200 million in gross value, stands as an exemplary testimony for any potential client living in the Golden State.

    From all accounts, PB is at the forefront of structuring loans around asset-backed properties quickly, incisively and reliably. Their seamless process generally follows a format that reflects proven success:

    PB’s Hard Money Lending Process

    • We never let the small print get in the way of closing deals. Shock and regret after the ink has dried to our mind is unforgiveable. PB’s mantra is based on the application of full transparency from end-to-end.
    • There’s no frustration commonly associated with delays and communication lapses. Our policy is designed around 24-hour approval alongside getting hard cash into your hands for the project in no more than 5 days from approval.
    • Our LTV requirement of 70% is competitively aligned with the industry but there are certain purchase transactions where up to 80% LTV has been acceptable. On the other side of the LTV coin refinancing deals and cash-outs fall in the more-than-acceptable 60 – 65% range.
    • PB Financial Group can cover the full gamut of client investment structures employed in California: partnerships, trusts, corporations, LLCs, Delaware Corporations, estates, foreign national entities, and of course, clients in their individual capacities – all are doable.
    • If the lowest possible interest rates, the most competitive redemption terms, and the speediest turn times in the industry resonate with you then PB is your first stop. 5-star Yelp and Google ratings keep rolling in as private hard money borrowers from LA to San Francisco (and in between) endorse our unblemished 2,200 property deal closings.

    PB Financial Group – California’s most active Private Hard Money Lender

    PB’s range of service in everything to do with real estate funding is unsurpassed. Fix-and-flip situations are bread and butter to our professional, trained loan agents, as is accommodation of distressed property, probate financing, estates & trust funding, and apartment building (rental) projects. Another thing: “owner-occupied” or “non-owner occupied” properties make little difference to our lending processes. We simply don’t miss a beat.

    Refinancing and Bridge Loans – the new Emergence in California

    Long-held mortgages eventually reach a maturity point that challenges borrowers with sometimes-huge balloon payment requirements. In parallel, rising interest rates attack complacency almost monthly as the Fed keeps pushing these skyward. The solution in instances like this, guided by the PB guidance program, culminates in the arrangement of bridge loans (sometimes termed conduit loans) that stand up to the changing times – thus keeping your investment viable. We are the consummate hard money lender for all sectors of the real estate market where (a) asset backing and (b) first & second positions get the deal closed.

    PB’s Hard Money Funding in California has Outstanding Features

    Owners or investors in multi-family complexes, office buildings, retail, self-storage, warehouses, mix-used lands, and new construction know us as the go-to resource that finishes the job efficiently and with no hassle.

    We override local banks and traditional lenders in each and every aspect of cash-out options for real estate that has shown appreciation over time. PB has turned this sought-after loan specialty into a realistically achievable factor, with no limit, based on the standing of the existing asset only. Most of our cash-out clients inject this ”found money” into new and exciting real estate opportunities in-house with us as well.

    Never fear that loan size influences the degree of attention you deserve. Our loan agents know that financing applications from $50,000 all the way up to $5 million receive nothing less than the heralded PB VIP treatment. Middlemen or tedious time wasting committee approval meetings do not obstruct us in any way. As a private direct hard money lender, we make fast decisions incisively.

    PB Financial Group’s California Bridge Loans

    This category deserves extra coverage: To reiterate, bridge loans (i.e. for maturing mortgages with balloon payments; rising interest rates)are a priority focus these days but for a lot of other diverse reasons: build-outs, renovations, and other unorthodox occurrences throw a spanner into the traditional loan process. So do cash-outs (as already stated).Traditional bank lenders see uncertainty written all over these situations and run a mile from them. We, on the other hand, embrace clients caught up in this paradigm to resolve their uncertainty.

    To put it in a nutshell, a bridge loan is effectively a new loan that transforms an existing loan under pressure into one where terms and interest rates are no longer on erous; also where they pave the way to a permanent loan arrangement down the line. Nobody understands this better than us as we continue to break through new dimensions for property investors in California. Our interim funding deals work well and work without issues in every conceivable circumstance.

    YELP LOVES US

    5 star ratingThank you PB financial for all your great work....back against the wall and needed to close within 2... read moreThank you PB financial for all your great work....back against the wall and needed to close within 2 weeks. PB financial did everything in there power to make this a smooth a easy transaction. They really came through and helped me close fast. They aren't only giving you money to loan but actually explaining every step very thoroughly about what's going on.

    Will definitely recommend or use them if needed again!
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    Simon F. Avatar
    Simon F.
    1/04/2022

    5 star ratingPeyman, Pouyan and Paul,

    Thanks for being the professional company that you are. Your service is straight and the...
    read morePeyman, Pouyan and Paul,

    Thanks for being the professional company that you are. Your service is straight and the deals close. A pleasure to work with from beginning to end.
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    G C. Avatar
    G C.
    3/03/2021

    5 star ratingI was in need of a hard money loan, which I never needed before. PB looked at my... read moreI was in need of a hard money loan, which I never needed before. PB looked at my financial status and the property I owned and suggested that I get a third on my home, not a second or first, but someone to take a third position. Most of the Hard money lenders will only take a first. PB came in with at interest rate that was the best in town, and at the low end of what he quoted.Their staff is amazing, always ready to help and they have quick response. These guys are honest, thorough, kind and responsive. I am amazed in this quick buck town PB even exist. Do your self a favor, look to them first if you need a loan. I am so glad I did. read less

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    Dna C. Avatar
    Dna C.
    4/06/2016

    5 star ratingThey were so professional and funding was quick for my investment Property.
    I would recommend them for Investment...
    read moreThey were so professional and funding was quick for my investment Property.
    I would recommend them for Investment Property.
    I will work with them again in future.
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    Khalid Z. Avatar
    Khalid Z.
    11/03/2014

    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 ratingPouyan and Peyman are excellent loan lenders. They are very helpful and give you fast loans! I have... read morePouyan and Peyman are excellent loan lenders. They are very helpful and give you fast loans! I have continuously worked with them, and each time I am entirely satisfied. I strongly recommend them! read less

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    Leah B. Avatar
    Leah B.
    4/23/2015

    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. Avatar
    Lin K.
    9/30/2019

    5 star ratingHI MANNY G. Here

    About PB financial I recently got a Hard Money loan from PB Financial Group.
    Let me...
    read moreHI MANNY G. Here

    About PB financial I recently got a Hard Money loan from PB Financial Group.
    Let me tell you Peyman Broukhim, and all his staff are honest people
    To deal with, and are professional all the way. I am truly great full they were there to give me a business loan when I needed it, just great people to deal with. I looked all over and seen they had positive reviews on YELP, I am glad I called. So I pass it on, if you need a Hard Money Loan call Peyman Broukhim at
    PB FINANCIAL GROUP 323-935-5555 x 103
    read less

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    Manny G. Avatar
    Manny G.
    3/19/2017

    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.