Niche focus Specializes in residential and commercial real estate bridge loans across multiple California markets and select nationwide urban infill locations, presenting a targeted opportunity for real estate developers and investors needing fast, flexible financing.

Flexible loan terms Offers loan amounts from $200k to $20M with high leverage (LTV up to 70%), 12-24 month terms, and various positions (1st, 2nd, 3rd), enabling rapid transactions for fix-and-flip, rehab, construction, and ground-up projects.

Cost structure Interest-only pricing at 9-12% plus 1.5-3% fees. This can appeal to short-term borrowers seeking predictable cashflow but may require value-added justification to justify higher cost versus traditional lenders.

Geographic reach Active in major California markets (SF Bay Area, Silicon Valley, LA, San Diego, OC, Sacramento) with select nationwide urban infill, offering expansion opportunities for lenders or brokers looking to partner in high-growth locales.

Lead sources Broker/owner-driven model with direct contact (Art Gilberg) and accessible channels, suggesting a potential for channel partnerships, referral programs, and co-marketing to scale deal flow with like-minded financiers and real estate professionals.