We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
Commonly asked questions
Hard money loans stand apart from traditional bank loans in several ways. Unlike banks, private lenders like ARC Private Lending prioritize speed and efficiency. We evaluate loan applications based on the property’s value rather than your credit history. This means faster approvals and less paperwork, making our private money lending in California a perfect fit for those who need quick financing.
At ARC Private Lending, we assess your eligibility primarily by the value and condition of the property you’re using as collateral. Credit scores and financial history are less important, giving you a fighting chance to secure a loan even if your traditional credit isn’t pristine.
Loan-to-value (LTV) ratios in private money lending usually range from 50 to 70 percent. The specific LTV you qualify for depends on the property’s type, location, and condition. We will work closely with you to determine the best loan structure for your unique situation.
ARC Private Lending is committed to providing accessible and flexible financing options to Californians through hard money loans. Whether you’re a seasoned investor or a first-time borrower, our experienced private money lenders are here to help. Contact us today at (707) 543-1588 and experience the difference in private lending. Your financial opportunities are just a phone call away.
A DSCR loan, or Debt Service Coverage Ratio loan, is a type of investment property loan that helps real estate investors qualify based primarily on the property’s rental income rather than their personal income.
Instead of using traditional income documents like W-2s, pay stubs, or tax returns, the lender reviews whether the property’s expected or actual rental income can cover the monthly mortgage payment.
Yes, These loans are for owner-occupied properties in California when the loan proceeds are being used for a business purpose.
In general, this means that the majority of the loan funds must be used for business-related purposes rather than personal, family, or
household expenses.
ARC Private Lending makes it easy for business owners to get the cash they need through a commercial loan . We have access to virtually unlimited capital and are expertly positioned to meet the needs of customers that fall outside of traditional bank requirements. We offer commercial loans starting at $250,000.00.
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