Portland
Hard Money Lenders

Wilshire Quinn is a hard money lender financing commercial real estate and residential investment properties up to $10,000,000. As a direct hard money lender, we provide pre-approvals in 24 to 48 hours and fund loans in 5 to 7 days.

  • A nationwide Direct Lender, not a broker
  • Pre-approval in 24 hours
  • Typical funding times in 5-7 days
  • Loan amounts up to $10,000,000
  • Foreign Nationals OK

Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange

Direct Lender For Bridge Loans In Portland & Nationwide

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Lending Parameters

CLOSING TIME Typically 5-7 days
LOAN SIZE $200,000 to $10,000,000
LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
LIEN POSITION First Trust Deeds Only
LOAN TERM 3-24 months
INTEREST RATES 8.5% – 11%
AMORTIZATION Interest only payments
ORIGINATION FEES 1-5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term
LENDING AREAS Nationwide, in metropolitan and coastal areas

Property Types

  • Multifamily

  • Single Family Investment Properties

  • Condominiums
  • Retail Centers

  • Office Buildings

  • Industrial & Warehouse

  • Hotels & Motels

  • Healthcare & Assisted Living Facilities

  • Special Purpose & Mixed Use

  • Parking Garages & Lots

  • Mobile Home Parks

  • Gas Stations

  • Land

Our Lending Program:

  • Funding typically in 5 to 7 days

  • Loan Amounts from $200,000 to $10,000,000

  • Loan-To-Value: Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price

  • Commercial & Residential Real Estate Nationwide

  • Purchase, Refinance, Rehab, Cashout Refinance, Fix-n-flip, Blanket Loans

  • Foreign Nationals OK

  • Loan Term: 3 – 24 months

Recently Funded Hard Money Loans

Portland Hard Money Lenders
Sacramento, CA

Loan Amount: $950,000
Loan Type: Cash-Out Refinance
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

Portland Hard Money Lenders
San Diego, CA

Loan Amount: $2,500,000
Loan Type:  Purchase / Rehab
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

Portland Hard Money Lenders
Saint Helena, CA

Loan Amount: $650,000
Loan Type:  Cash-Out Refinance
Property Type: Commercial Retail
Loan-To-Value: 45%
Term: 12 Months

Portland Hard Money Lenders
West Hollywood, CA

Loan Amount: $2,200,000
Loan Type:  Rehab
Property Type: Commercial Retail
Loan-To-Value: 47%
Term: 24 Months

Advantages of a Hard Money Loan

Whether you are looking to secure financing for a purchase, refinance, cash out, or a multiple property loan; here are some advantages to using a bridge loan also known as a hard money loan.

  1. Speed / Closing Time: Qualifying and being approved for a hard money loan is a faster process than applying for a traditional loan or an equity loan. Wilshire Quinn typically funds hard money loans in 5-7 days.
  2. Credit score not a major factor: Asset based lending means we base our loan amounts on the value of real estate, such as an investment property, multifamily building, or commercial building, rather than strictly on your credit score and debt to income levels.
  3. Opportunities: Having a bridge loan allows you to secure opportunities that you might otherwise miss out on in the housing market. Showing a seller you have been pre-approved by a private money lending institution can help you win an offer. Read more about this here: Using private money lending to win real estate bidding wars.
Hard Money Lenders in California and Nationwide

Looking for a hard money lender? Chat with us online to discuss your loan or call us at 619-872-6000.

We Work With Brokers

Fund loans quickly with Wilshire Quinn Capital

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Here’s What Our Borrowers Are Saying

A Proven Portland Hard Money Lender, Lending Nationwide

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FAQ’s – Hard Money Loans

A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.

Hard money lenders like Wilshire Quinn primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.

After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.

Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, entitled land, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.

We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.

You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.

Our interest rates typically range from 8.5% to 10.5%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.

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