Equity Based Loans for Real Estate Investment Projects
SC Equity Lending is a Silicon Valley-based company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates. Our experience and knowledge of the market allows us to provide loan commitments in as little as 24 hours and funding within 7 days.
No Appraisal | No Credit Check | No Income Verification | Fast Service
What We Do
Whether you are a developer needing a bridge loan to complete a construction project or a borrower who needs a short-term equity loan to make a competitive all-cash offer on a property SC Equity Lending has the ability to be a reliable resource for your funding needs. SC Equity Lending’s private capital sources fill in the gaps where banks and other private money sources leave off – offering fast funding of 1st and 2nd position loans ranging from $200K – $10M on both residential and commercial properties throughout the San Francisco Bay Area and California.
Type of Loans
- Commercial
- Single Family Residence (Non-Owner Occupied)
- Vacant Land
- Multi-Family Apartments
| Loan Amounts: | $200K - $10M |
|---|---|
| Rates: | 7.5% - 11% |
| Loan to Value: | Up to 70% |
| Term: | 1 to 3 years |
| Points: | 1 - 3 |
Recent Fundings
Burlingame - Office Development ($2,600,000)
Purchase
Term: 2 years
LTV: 65%
San Mateo - Central Park ($7,000,000)
Construction Loan
Term: 2 years
LTV: 60%
San Leandro - Shopping Center ($2,900,000)
Purchase
Term: 2 years
LTV: $55%
South San Francisco - Retail ($560,000)
Refinance
Term: 1 year
LTV: 20%
Frequently Asked Questions
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Will my bad credit affect my ability to get a loan?
No. We are an equity-based lender and focus only on the value of the property relative to the amount of loan you are seeking.
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How will I pay back the loan?
Our lending professionals are trained to clearly discuss the exit strategy when our loans are funded. Our objective is to provide each borrower with a short-term solution for their cash needs. Our objective is to help position the borrower to create more value for their project, which will help them refinance or sell the property for the highest possible price.
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How long will I have to pay back the loan?
Our typical loan term is 1 – 3 years. If additional time is needed we will work with each borrower to find a solution to extend the loan so it can be refinanced conventionally, or sold.
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How will the value of my property be determined and will it cost me anything?
Our lending team has access to recent comparable sales and lease rates for the properties we are evaluating. We will use this information to determine a conservative value for the property and the loan amount we will be able to lend. This comes at no cost to the borrower.
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Are there any up-front costs for the loan?
Once we make a commitment to lend on your property we will ask for a non-refundable fee for underwriting purposes. This will be clearly communicated to each borrower in the commitment letter for the loan the borrower is requesting. This fee will be credited back to the borrower against the loan fees charged once the loan is funded and is NOT an additional fee for the loan.
Contact Us
For more information please call or email Jeff or Chase to see if your property qualifies.
Jeff Barden
Partner Broker of Record
650-315-9933
650-375-7781 Fax
jbarden@scpropsm.com
DRE# 01216956
Licenses: State of California Real Estate Broker License
Chase Gracia
Associate
650-396-8167
650-375-7781 Fax
cgracia@scpropsm.com
DRE# 02103619
Licenses: State of California Real Estate Agent