Loan programs

Start with the situation, not the loan.

Most people don’t need a product name. They need a way through. Find the situation that looks like yours, see how we usually structure it, and send us the details.

Submit a loan scenario Or call (949) 349-1322

A modern California house above the coast, its terrace open to the ocean in afternoon light.

What are you trying to solve?

Start with the outcome, not the loan. Each situation leads to the financing that usually answers it. If none of them fits, tell us what you’re trying to accomplish anyway. The property and the structure still have to make sense, but there may be another path.

A deadline is approaching

A purchase under a short escrow, a payoff date, or a seller who will not extend.

Purchase financing

I need to buy before I sell

Capital to acquire or hold while another property sells or a refinance completes.

Bridge financing

My capital is tied up in another property

Unlocking equity from a property already owned, without selling it.

Refinance and cash-out

A current loan is maturing

Retiring a loan that is coming due, and creating time for the next step.

Refinance and cash-out

I need a bridge to a sale or refinance

Holding the property until the exit you already have in view can complete.

Bridge financing

The work is not finished

Funding for renovation or repositioning, drawn against a scope and a schedule.

Renovation and construction

The borrower is an LLC or business entity

Entity and business-purpose transactions that do not fit a standard consumer profile.

Underwritten on the property

It does not fit a conventional lender

Income, documentation, timing or property type outside a conventional lender’s guidelines.

Underwritten on the property

Why private financing

Three reasons a borrower comes to a private lender.

Timing
A conventional lender answers on a committee’s calendar. Alliance Portfolio reads the scenario directly, so the timetable is the transaction’s rather than an institution’s.
Structure
Position, term, draws, partial releases and the exit are shaped around what the deal needs, instead of the deal being pushed into a fixed product.
Judgment
The property, the borrower’s equity and a defined exit carry the decision, which is why a situation outside conventional guidelines can still be financed.

How Alliance Portfolio usually structures it.

Six structures, described by the situation each one answers. Terms are set transaction by transaction. Nothing here is a fixed product.

Purchase financingWhen a deadline is approaching.: Acquisition capital on California property where the timetable, the structure or the property itself puts a conventional loan out of reach, so the acquisition can close.
Bridge financingWhen you need to act before another transaction completes.: Short-term capital held against the property while a sale, a refinance or an entitlement finishes, with the exit agreed at the outset, so you are not forced to sell before you are ready.
Refinance and cash-outWhen the capital you need is already in the property, or a loan is maturing.: A new loan against a property you own, unlocking equity or retiring a maturing loan without selling, sized on the property’s value and the exit.
Renovation and constructionWhen the work is not finished.: Funding drawn against a defined scope and schedule, structured so capital arrives as the work proceeds rather than in one lump.
Underwritten on the propertyWhen the file, or the borrower, does not fit a lending box.: Where income documentation, an LLC or corporate borrower, timing or property type falls outside conventional guidelines, the property, the equity and the exit carry the decision.
Second-position financingWhen you need capital behind existing debt.: Additional lending recorded behind a first, where the equity in the property supports it and the exit repays both.

What we look at when we read your scenario.

The same four questions on every loan, whatever the situation that brought it to us.

The property: What it is, where it is, its condition, and what it is worth today rather than after the plan works.
Your equity: How much of your own capital is in the property, and how much of it stands beneath the loan.
The structure: Amount, term, recorded position, and any draw, reserve or partial release the transaction needs.
The exit: How the loan gets repaid: a sale, a refinance or completed work, and what happens if that moves.