Lending Guidelines:

Property Location: California
Loan Amounts:  $100K - $10M  
Loan-to-Value (LTV):  Up to 65%
Rates: starting at 7% interest only
Fees:  Starting at 1.75% (points)
Loan Position:  1st only
Loan Term:  Up to 5 years
Prepayment Penalty: Negotiable
Use of Proceeds: Business and Commercial purposes
(some exceptions may apply)

Loan Types:

Property Purchase
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

Property Types:


Single Family Homes                                                                                                    
Multifamily Unit Complexes


Mixed Use
Apartments 5+ Units
Office Buildings
Retail Properties
Industrial Properties
Mini Storage Facilities
Mobile Home Parks


We want to partner with you to find the ideal commercial loan for your clients . We will manage all aspects of the loan process. You will manage the relationship, and when the loan is funded, you may earn a fee.



I have been a commercial mortgage broker since 1994, and source the funding for my clients from private money and institutional lenders.  Accordingly, I have had opportunity to interface with a wide variety of participants in the mortgage industry.

I was overwhelmingly impressed with the performance of Rubicon Funding in closing a recent purchase transaction on a commercial property in San Francisco.  Vance Hillstrom responded to my after hours email and had a letter of interest to me the following morning.  As a result of Rubicon’s decisiveness, professionalism and exceedingly efficient operations, we were able to close the loan in 5 business days (one of those days being Monday the 3rd before the 4th of July).  Vance understands real estate very well and is able to quickly assess a potential financing deal to determine if a letter of interest will be issued.  Cheryl Duncan in operations was very intelligent, experienced, and a pleasure to work with in a very highly-charged, time sensitive transaction.  This is the very best real estate financing transaction I have experienced in my career.

Clinton N. Stefan
Orinda, CA  94563


“As a CA BRE Broker of 10 years who specializes in finance, works with complex loan scenarios, and with many types of lenders across the spectrum of real estate and business lending - Rubicon already stacks up as one of my best.  My expectations were exceeded on all fronts.”  

  • “Within 24 hours on a weekend no less, I was assured it was likely a deal for them. Check mark there.”

  • “I needed to close quickly as there was a severe time constraint, and had a fairly full package ready for review. The loan was complex, had multiple/various challenges to the file, but also it's genuine merit. Rubicon was able to break it down quickly and visit the property. They gave it the thumbs up and I had docs out in 4 days. Unbelievable.”

  • “Rubicon has a team of great personnel who all do their job and communicate beyond expectation which is critical to the way I do successful business.”

  • “Rubicon's rates and terms are very competitive.”

  • “I couldn't ask for anything better. Extremely rare for me to ever say that.”

“Thank you Rubicon.   Looking forward to a lot more business together.”

David E. Goldman, MBA
Goldman Financial Group

Los Angeles, CA


Client Testimonials

“My experience with Rubicon was exceptional. They are consummate professionals and responded with every question clear to the point answers. Their ability to turn around a transaction quickly and efficiently were in stark contract to banks and other financial institutions i have had dealings with in the past. I would highly recommend them” -TE

“We were under extreme pressure to get funds and timelines were an issue. The Rubicon team really did go above and beyond to get this done for us. Even after the transaction was over, I was contacted a couple of times to make sure I was happy and satisfied. You do not see a lot of compassion, unfortunately, in today’s business world. Thank you for making our business deal a success last week!”

“I cannot say enough wonderful words of praise for Rubicon and its employees.”

Stacy Rusley
CEO, Dean Distributors

"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 commericla 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