Bridge Loans
Short-term acquisition and refinance financing for investors who need to move quickly — before permanent financing is arranged or a property is sold.
Capital That Moves
When You Need It
North Star Lending delivers fast, flexible hard money bridge financing secured by California improved real property. When institutional timelines fail you, we fund.
70%
Max LTV
8.25%
Rates From
7 Days
Typical Funding
1st & 2nd
Lien Positions
Our Difference
Speed, Certainty &
Institutional Expertise
Hard money lending demands more than capital — it demands a lender who evaluates collateral accurately, commits decisively, and funds without delay.
Decisions in Days, Not Weeks
In-house underwriting, no committee delays. Preliminary approval typically within 24–48 hours of a complete package.
Direct Lender — No Brokers Required
You deal directly with the decision-maker. No middlemen, no miscommunication, no fees to intermediaries.
Licensed & Regulated
California Finance Lender licensed by the DFPI. License No. 60DBO-46117. Every transaction is fully compliant with California law.
Collateral-Focused Underwriting
We lend on the asset. Strong collateral with sufficient equity is the cornerstone of every credit decision — not credit scores.
Current Loan Parameters
Loan Size$250K – $5M+
Loan-to-ValueUp to 70%
Rates From8.25% per annum
Loan Term12 – 18 Months
Lien Position1st & 2nd Trust Deeds
Property TypesSFR, MFR, Retail, Industrial, Office
Collateral LocationCalifornia Only
Loan PurposeCommercial / Investment Only
Consumer / Farm LoansNot Available — Ever
Residential Investment
Non-owner occupied SFR and small multifamily — acquisitions, fix-and-hold, and value-add repositioning across major California markets.
Multifamily
Bridge capital for 5+ unit apartment buildings. We underwrite around current rents or projected stabilized values — stabilized and lease-up considered.
Commercial & Retail
Retail centers, mixed-use buildings, and commercial properties in urban California locations. Income-producing asset dynamics well understood.
Office & Industrial
Bridge capital for office and industrial assets in major California metros. Current-state collateral value — lease-up and repositioning considered.
Special Situations
Distressed acquisitions, note purchases, probate and trust financing, partner buyouts — time-sensitive transactions where certainty of execution is paramount.
Have a deal that doesn't fit neatly?
If it's California real estate and the equity story is sound — call us. We evaluate every file on its own merits.
From Inquiry to Funded
Streamlined for certainty and speed. Most loans fund within 7–10 business days of complete application.
- 1
Initial Inquiry
Submit a brief loan request by phone or email. Preliminary feedback within one business day.
- 2
Application & Underwriting
Provide property details and borrower information. In-house collateral analysis and Letter of Intent issued.
- 3
Appraisal & Due Diligence
Independent appraisal, title review, final due diligence. You know exactly where things stand at every step.
- 4
Close & Fund
Loan documents through escrow. Once conditions are satisfied, funds are wired. Your deal closes on schedule.
24–48 hrs
Preliminary Decision
3–5 Days
Letter of Intent
7–10 Days
Typical Funding
14 Days
Complex Transactions
California's Major Metro Markets
We lend exclusively on improved real property within California's major metropolitan statistical areas — where deep market knowledge translates to accurate, confident underwriting.
Los Angeles
San Francisco Bay Area
San Diego
Orange County
Sacramento
Inland Empire
Ventura County
Santa Barbara
Important: North Star Lending finances improved real property located exclusively within California. We do not lend on collateral outside the State of California.
Client Feedback
What Our Borrowers Say
★★★★★
"The efficient manner in which the loan was provided allowed me to purchase a property I could not have otherwise obtained. Professional, courteous, and they understand the market."
R. Kaufman
Real Estate Investor · Los Angeles
★★★★★
"Paperwork was minimal, turnaround was fast, and the rates are competitive. Exactly what you need when a deal has a hard deadline."
M. Levin
Developer · Bay Area
★★★★★
"North Star is in a different class — responsive, transparent, and they close on time. That alone is worth a premium."
S. Patel
Multifamily Investor · San Diego
The Values We Lend By
We are not a "loan to own" lender. We care deeply about our borrowers, our broker partners, and the outcome of every transaction. Our goal is not just to close your loan — it is to earn your trust and your repeat business.
Integrity
We do what we say, and we say what we mean. Every commitment we make — on rate, proceeds, timing, and terms — is one we honor. You will never discover a surprise at the closing table with North Star Lending.
Honesty
If a deal doesn't work for us, we tell you promptly and tell you why. If we see a problem, we surface it early. We believe in frank, respectful communication — even when the answer is no. Our borrowers and brokers deserve straight talk.
Trust
Trust is earned through consistent performance, not promised in a pitch deck. We protect our borrowers' interests, honor our brokers' client relationships, and treat every file with the seriousness it deserves. We lend to help — not to foreclose.
Reliability
Real estate transactions run on deadlines. We close when we say we will. We fund when the conditions are satisfied. Our track record of performance — not promises — is what keeps borrowers and brokers coming back. Your business is never taken for granted.
"We are not in the business of taking properties — we are in the business of helping real estate investors and operators succeed. Your success is our success. That is the North Star."
Important Notice: Commercial & Investment Loans Only
North Star Lending, LLC does not make consumer mortgage loans of any kind. All loans are strictly for investment, business, or commercial purposes. We do not make loans for personal, family, household, agricultural, or farm use.
North Star Lending is not subject to RESPA, federal TILA/Regulation Z consumer mortgage provisions, or California's Homeowner Bill of Rights. If you are seeking a residential consumer mortgage, please contact a licensed consumer mortgage lender.
Let's Build Something Together
If you're a licensed loan or real estate broker with California clients who need bridge capital, we want to be your go-to lender. Our doors — and our calendars — are wide open.
Our Promise to Brokers
A Partnership Built to Last
A broker's reputation is built one closing at a time. When you bring us a deal, you're trusting us with your client and your standing in the market. We don't take that lightly.
We Protect Your Client
Your relationship is sacrosanct. We never solicit your client for future business, never go around you, and document the relationship up front. The client is yours — always.
We Compensate Generously
Competitive broker compensation paid promptly at closing through escrow. Co-brokerage available. Repeat brokers are recognized and rewarded.
We Move Fast
Pre-qualifications within hours. LOIs in 24–72 hours. Funding in 7–10 business days. Your client's deadline is our deadline. We close on real time, not lender time.
We Communicate Constantly
You will never wonder where your file stands. One point of contact, real-time updates, and a phone that gets answered. No black-hole submissions.
We Honor Our Quotes
Our LOIs mean what they say. We don't bait-and-switch on rate, points, or proceeds at the closing table. The terms we quote are the terms we close — period.
All Licensed Brokers Welcome
Real estate brokers, mortgage brokers, attorneys, CPAs — if you have a California real estate financing need, bring it. Licensed professionals in good standing are always welcome.
24–48hr
Pre-Qual Decisions
7–10 Days
Typical Funding
100%
Client Protection
$5M+
Max Loan Size
Ready to Partner?
Introducing yourself is simple — a quick call or email is all it takes to get the conversation started. Bob personally responds to every broker inquiry within one business day.
Whether you have a deal on your desk right now or want to establish the relationship for future referrals, we'd love to hear from you.
✓ Co-Brokerage Available
✓ Fee Protection
✓ Mortgage & RE Brokers
Reach Bob Directly
Bob is the principal lender. When you call or email, you're talking to the decision-maker — not a processor, not a coordinator.
DFPI Licensed Lender
California Finance Lender Law
Financial Code §§ 22000 et seq.
License No. 60DBO-46117
Regulatory Compliance & Lending Scope
North Star Lending, LLC is licensed by the California Department of Financial Protection and Innovation (DFPI) as a finance lender under the California Finance Lender Law (Financial Code §§ 22000 et seq.). All loans are made in compliance with applicable California law.
Strictly Commercial & Investment Use: All loans are for investment, business, or commercial purposes only. We do not make consumer mortgage loans, and we do not lend for personal, family, household, agricultural, or farm use. Our loans are not subject to federal TILA consumer mortgage provisions or California's Homeowner Bill of Rights. All borrowers confirm commercial purpose at application.
All loans are secured exclusively by first and second trust deeds on California improved real property. We do not make unsecured loans and do not lend on collateral outside the State of California.
DFPI Licensed — CFL
Commercial Purpose Only
California Collateral Only
1st & 2nd Lien Positions
No Consumer Loans
Improved Property Only
Ready to Fund Your Next Deal?
Reach out directly. We respond to all serious inquiries within one business day. All communications are confidential.
Phone
Email
Office
6300 Wilshire Blvd., Suite 1420
Los Angeles, CA 90048
Los Angeles, CA 90048