Financing

At Pivotal Capital Group, we are here to help provide financial solutions for your residential fix and flip or construction project. See the projects we help fund below:

  • Property Locations:
    • California
  • Property Types:
    • Non-owner occupied residential properties
  • Loan Size:
    • $150,000 to more than $15,000,000 per property
  • Loan Terms:
    • Interest rates from 9% to 11%
    • Loan fees from 1.5% to 2.5%
    • Loan terms up to 18 months (extension options available)
    • First position liens only
  • Subordinate loans allowed (may require subordination agreement)
  • No prepayment penalties; no minimum interest charges

Fix & Flip

 
PROJECT TYPE:
Acquisition, Rehab
Cash-out refinance

Single family
1-4 unit multifamily
 
Loan to As-Is Value………………..Up to 90%
Loan to ARV……………….. Up to 75%
Loan to Cost………………..Up to 100%
Closing Time………………..3 to 7 days
Recourse………………..Non-recourse
Interest Payments………………..Monthly
Loan Purpose………………..Acquisition, rehab

Construction

 
PROJECT TYPE:
Permit Ready
Ground Up Construction
Single family
1-4 unit multifamily
 
Loan to As-Is Value………………..Up to 75%
Loan to ARV……………….. Up to 65%Loan to Cost………………..Up to 75%
Closing Time………………..10 to 14 days
Recourse………………..Completion, repayment
Interest Payments………………..Monthly interest only payments

Bridge

 
PROJECT TYPE:
Acquisition for future demolition
Ground Up Construction
Existing single family home
Multifamily (no unimproved land)

 
Loan to As-Is Value………………..Up to 75%

Loan to ARV……………….. Up to 75%

Loan to Cost………………..N/A
Closing Time………………..3 to 7 days days
Recourse………………..Repayment guaranty
Interest Payments………………..Monthly interest only payments