Passion To Innovate

Private Money Lending Program
Asset-Backed Structured Financing
Equity Loans

Financing:
Whether buying or selling, financing plays a key roll in your investment goals. Our strong capital base,
 the relationships with many of the leading mortgage financial institutions and the private money
 pools of mortgage investors allow us to structure financing to meet our clients needs.

Lending Area:
Southern California - ONLY
Product Type:
Equity Loans On Any California Petroleum
Retail Industry Real Estate 
Gas Stations and Truck Stops
Commercial
Transaction Size and Term:
Bridge Loans
Minimum Loan amount $250,000
 We offer financing up to $5,000,000; if over, on a case by case study.
 As the term implies, a bridge loan is meant to "bridge” the financial gap between short periods of  
of time when money is needed.
  Loan terms - 12 to 36 months in duration, including a 6 month interest declining prepayment penalty.
  Payable Monthly - Accrued Interest Only
Fees and Interest Rates:
 The program provides financing with moderate fees 2-4 Points, and annual interest rates ranging from
 9.5 - 13.5% depending on the properties risk profile.
Maximum LTV:
 Loan amounts can be up to 65% of the market value of the collateral
 and depends on the borrowers cash flow available for debt service.
Minimum Annual DCR:
 Annual History of: 1.30 - 1.40
Loan Documents Needed:
 Credit Report, Appraisals, Environmental Reports (Phase 1 & 2), Insurance, Loan Application,
 Tax and Verification of Employment
The most important thing to understand is that the loan approval process is 100% dependant on your documentation.
To insure a smooth transaction, it is imperative that you have all of your documents gathered prior to you initial loan application.
Our mortgage investors usually prefer First Trust Deeds, but they will, consider second
mortgage financing, on a case by case basis as well.
Closings Costs: 
 Normal third party closing costs and no extraordinary charges
Typical Closing Time:
  Short term bridge loans, usually 10 - 14 working days after verification of credit, equity and title.
 Term loans (up to 25 Years) usually 30 - 60 working days after verification of credit, equity and title.
Mortgage Note Purchase Financing:
Note Purchase financing is treated just like a full doc commercial loan. We use the recorded
First Trust Deed and Note as collateral and the loan is a full recourse loan.
The LTV limit is controlled by the DCR and or the exit strategy.
Minimum Note Original Value: $2,000,000.
 Performing or Not - Loan Terms up to Five Years
Commercial & 5 Units Plus Multifamily Notes  California "Only"
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The Financial Institution that buys this loan paper has a minimum loan of two million
and no maximum justifiable limit.
Quick Response and Fast Closing - Please call for more information
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Petroequities and there Capitals Partners Do not Loan on Owner Occupied/1-4 Units/Residential Properties.
Commercial Property loans - Southern California Only

Click Here: - Interest Rate Update
 

Updated: September 22, 2011

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