• Accelerated turnaround time on quotes and terms
  • Reliability to complete your transaction fast and efficiently
  • Extensive knowledge of creative and secured loan transactions
  • All property types funded except owner-occupied residential
  • Commercial mortgage or bridge loan in less than 2 weeks
  • We do Note Hypothecations or loans for Note Purchases |We buy Notes
  • Desire to borrow $100k - $10M for your project
  • Desire to borrow Loan-to-Value (LTV): Up to 65%
  • Property is located in California, you do not have to be
  • Provide docs to close your loan, often in less than 2 weeks
  • Any property type funding other than owner-occupied residential
  • Intent to borrow for less than 3 years (average is 24 months)

Lending Guidelines:

Property Location: California lending only
Loan Amounts:  $100,000 - $10,000,000
Loan-to-Value (LTV):  Up to 65% LTV
Rates: starting at 7% interest only
Fees:  Starting at 1.75% (points)
Loan Position:  1st Position Only
Loan Term:  Up to five years
Prepayment Penalty: Negotiable
Use of Proceeds: Business and Commercial purposes
(some exceptions may apply)

Property Types:


  • Single Family Home

  • Multifamily Unit Complexes


  • Mixed Use

  • Apartments 5+ Units

  • Office Buildings

  • Retail Properties

  • Industrial Properties

  • Mini Storage Facilities

  • Mobile Home Parks

Loan Types:

  • Property Purchase

  • Refinance

  • Equity Cash out

  • Bridge Loan

  • Rehab Fix & Flip (Selective - SF Bay Area only)

  • New Construction (Highly Selective - SF Bay Area only)

  • Note Purchase

  • **No Cannabis Lending

Client Testimonials

"A few years ago, I found myself in a pinch with the falling real estate market. The usual cast of lenders was jumpy and unwilling to fund traditional loans. Rubicon Mortgage commercial lending helped us out. I liked the experience so much that now I'm an investor in RMF. They provide a valuable service to the community."  - JW

"I've had the privilege of working with Vance and Doug on several commercial mortgage loans  and what stands out for me every time I engage them is their attention to detail. They've always put in the time to understand the deal and provide more than just one option!  Not only have they been able to provide financing for me on challenging projects that have been turned down by others but each time they've delivered on their terms and timing."  - JB

"If you would like to know the value of money, go and try to borrow some."
- Benjamin Franklin