Hard money lender in the Bay Area
Hard money loans in the San Francisco Bay Area.
Alliance Portfolio funds business-purpose hard money loans in the San Francisco Bay Area on its own capital, from San Francisco down the Peninsula. Tell us about the property, the equity and the exit, and the people who make the decision will tell you whether there’s a path.
The usual shape of the loan.
What a Bay Area loan from Alliance Portfolio usually looks like.
What Bay Area borrowers usually bring us.
Low leverage, large balances
In Portola Valley we funded a $5.6 million first trust deed on an estate residence at 29% loan-to-value. It paid off in 8 months.
A purchase with real equity
A broker’s client bought a luxury condominium in San Francisco. We provided a $4 million first trust deed, and the buyer put significant equity of their own into the purchase.
The property and the exit decide
We look at the value, the equity under the loan, the lien position and how the loan gets repaid. Credit and income still matter, but they are not the whole decision.
Funded in Bay Area.
Bay Area transactions, with the loan amount, lien position and terms each one carried.
$5.6M
Estate residence · Portola Valley, California
- First trust deedPosition
- 29%LTV
- 8 monthsTerm
Portola Valley, California
A first trust deed, funded at 29% loan-to-value.
View success story
$4M
Luxury condominium · San Francisco, California
- First trust deedPosition
- BrokerReferred by
- PurchasePurpose
San Francisco, California
First-position financing for a condominium purchase.
Broker success storiesInvestments in trust deeds secured by one or more interests in real property are subject to risk of loss.
Alliance Portfolio • Real Estate Broker • CA DRE • 02066955 Broker License ID
Bay Area hard money loans, the basics.
- How much can I borrow?
- Most loans run $1 million to $5 million. The amount depends on the property’s value, the equity under the loan and the lien position.
- How long are the terms?
- Usually 18 to 24 months, set around how the loan will be repaid: a sale, a refinance or finished work.
- How fast can it close?
- The average loan closes in about 10 days. Some move faster and some take longer, depending on the file.
- What do you lend on?
- Residential, multifamily, commercial and land held for business or investment purposes, in first or second position. We don’t make consumer loans on a home the owner lives in.
- Who will I deal with?
- Alliance Portfolio originates, underwrites, funds and services its own loans, so the answer comes from the people responsible for it.
Rates and fees Loan programs Borrower questions Orange County Los Angeles San Diego
- 01Send the scenario
- 02Get a direct review
- 03Structure the loan
- 04Fund
Send us the Bay Area scenario.
Send us the basics. We will take a real look at the property, equity, structure and timing and tell you whether there is a path worth pursuing. You hear back from the people who make the decision.