Hard Money Loans & Bridge Financing

PacSun Capital provides first position hard money loans and bridge financing on a wide array of asset classes and property types. Our hard money loan program focuses on providing short term bridge loans to value added and opportunistic commercial real estate deals. Qualified sponsors and operators that need hard money for these types of opportunities should verify that their bridge loan requirements fit our lending parameters before requesting a loan.

A few specific criteria that are often over looked by some borrowers include LTV, asset location, and current cash flow. The hard money loans that we fund are contingent on an assets current performance and operating income. In addition to valuing a deal based on the current net income we also concentrate on providing hard money loans in Tier 1 markets which are strong core metropolitan markets or their close proximity sub-markets.
Take a moment to review the bridge loan lending parameters outlined below. Be sure that the asset for which you are requesting hard money meets these criteria and most importantly has a current operating income that supports the LTV.

We understand that in this business very few funding requests will fit neatly in a box and therefore we look forward to working with you to identify a unique deal structure that can benefit from our bridge loan program. Feel free to contact us to discuss your hard money needs or use the short submission form on the right side of our website to send us a bridge loan request.

Eligible Property Types

Geography (Tier 1 Markets in US)
Multi-family Apartments
Grocery Anchored Retail Shopping Centers
Mixed Use
CBD Office
Suburban Office
Medical Office
Student Housing
Warehouses / Distribution / Flex
Flagged Hotels
Parking Garage
Self Storage
Condo Unit Inventory Loans
New York City Houston
New York – Metro Los Angeles
Boston Miami
Philadelphia Memphis
Washington DC Nashville
Atlanta Phoenix
Austin Portland
Charlotte San Diego
Chicago San Francisco
Dallas Salt Lake City
Denver Seattle
OTHER TIER 1 MARKETS WITH 500,000+
MSA CONSIDERED

All First Mortgages:
Loan / Deal Sizes ($2,000,000 – $50,000,000+)
First Mortgages Purchasing Distressed Debt Financing Third Parties
Loan to Value Ratio Up to 75% Loan to Value Ratio Up to 75% Loan to Value Ratio Up to 75%
Interest Rate 10 – 14% Interest Rate TBD Interest Rate TBD
Term 1 – 3 years Term 1 – 5 Years Term 1 – 5 Years
Amortization Interest Only Amortization TBD Amortization TBD
Recourse Preferred Recourse TBD Recourse TBD
Origination Fee 2 – 3 Points Origination Fee 2 – 3 Points Origination Fee 2 – 3 Points
Exit Fee None Exit Fee None Exit Fee None
Extensions Yes Extensions Yes Extensions Yes
Extension Fee 1/2 – 1 Point Extension Fee 1/2 – 1 Point Extension Fee 1/2 – 1 Point
Extension Fee 1/2 – 1 Point Extension Fee 1/2 – 1 Point Extension Fee 1/2 – 1 Point

Click Here to Request a Loan