3 Reasons Why People Love Our Loans


Just fill out the application on this page to start the process.


Funding can occur within 4-7 days of receipt of your application.


We have significantly more operational flexibility than traditional lenders.

About Pacific Point Capital Loans

At Pacific Point, we believe in keeping things simple. We offer benefits like allowing you to pay off the loan in part or in full at any time prior to maturity without any prepayment penalties. We also cooperate with brokers. Many of our loans are brought in by outside brokers. If you're worried about having a low credit score, know that Pacific Point is an asset-based lender. This means our primary focus is on the type, quality, and equity of the property; however, we do consider and evaluate a borrower's credit and financial condition.

Most of the time, determining the fair market value is fairly simple and an appraisal would not be required, saving you both time and money. This allows funding to occur within four to seven days of receipt of a borrower's loan application. Although, we may be able to approve your loan more quickly if necessary. The benefit of borrowing from Pacific Point versus another private money loan source is that our principals have on institutional investment background that can make decisions quickly.

Lending parameters

Below are general lending guidelines we use to evaluate each borrower’s loan scenario. Equally important is the “story” behind the scenario. Tell us your story.

  • Loan Types

    Fix and flip, owner-occupied/consumer, rental, commercial

  • Types of Properties

    Single family homes, apartments, small commercial

  • Loan Amounts

    $150,000 to $2,500,000

  • Loan-to-Value

    75% LTV in most cases. Higher LTV or ARV-based loans handled on a case-by-case basis.

  • Lien Position


  • Interest Rates

    8.9% to 11.9% (rates may vary depending on LTV)

  • Origination Fees

    Generally 1.0 to 2.5 pts, depending on loan size, LTV, maturity

  • Loan Term

    6 months to 5 years

  • Valuation Method

    Appraisals generally required, Certain exceptions apply

  • Borrower Types

    Individuals, Trusts LLCs, Corporations

  • Closing Timeframes

    5 – 14 days

  • Lending Area


  • Other

    No upfront fees

Apply For Your Loan Today!

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We were very impressed with the entire Pacific Point team. They are an institutional grade lender, and they helped us through to the finish line with our complicated entity loan setup process. The process was fast and much easier than traditional banks. We look forward to doing more business with Pacific Point.

Kelly J San Diego


Pacific Point took the time to understand our needs and proposed a customized loan solution that worked best for our situation. The staff is quick to respond, always professional and very knowledgeable. We highly recommend Pacific Point to our entire network.

Derrick M Poway

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