San Francisco
Private Money Lender
Wilshire Quinn is a San Francisco private money lender, financing real estate investments up to $10 million. We work fast, turning loans around much quicker than traditional lending institutions, because we know time is critical for borrowers looking to invest in San Francisco’s competitive market.
Finance Your Next Transaction With Wilshire Quinn
- A nationwide direct private money lender, not a broker
- Pre-approval in 24 hours
- Typical funding in five to seven days
- Loan amounts up to $20 million
Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange
Apply for a Private Money Loan
Get started by completing the form below and an associate will reach out to get your loan details
Lending Parameters
CLOSING TIME | Typically 5 to 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 to 24 months |
INTEREST RATES | 8.5% to 12% |
AMORTIZATION | Interest-only payments |
ORIGINATION FEES | 1 to 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
- Condominiums
Special Purpose & Mixed Use
Gas Stations
Land
Our Lending Program:
Closing Time: Typically 5 to 7 days
Loan Size: $200,000 to $20,000,000
- LTV: Up to 60% and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
Lien Position: First Trust Deeds
Loan Term: 3 to 24 months
Interest Rate: 8.5% to 12%
Amortization: Interest-only payments
Advantages of a Private Money Loan
Whether you are looking to secure financing for a purchase, refinance, or cash-out refinance, here are some advantages to using a private money loan:
- Speed / Closing Time: Qualifying and being approved for a private money loan is a significantly faster process than applying for a traditional loan through a bank. Wilshire Quinn typically funds private money loans in 5 to 7 business days.
- 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 a borrower’s credit score and debt to income levels.
- Rehab and non-stabilized property financing Properties that require substantial rehab or that have high vacancy rates often can be difficult for traditional lenders to finance. Private money lenders such as Wilshire Quinn have the ability to structure deals to allow investors to rehab and stabilize properties.

Looking for a private money loan in San Francisco? Chat with a representative online to discuss your loan or call us at 415-881-3100.
Here’s What Our Borrowers Are Saying
A proven San Francisco private money lender, lending nationwide



San Francisco Private Money Lender – Winning The Real Estate Bidding War
San Francisco the nation’s fifth-most densely populated county, is culturally diverse and serves as the financial center of Northern California. Home to the world’s most innovative industries, the Bay Area economy is growing at a rate three times faster than the rest of the country, generating $781 billion in gross domestic product in 2016. Neighboring Silicon Valley lays claim to the world’s largest high-tech corporations, including the headquarters of 39 businesses in the Fortune 1000 and thousands of startup companies.
The big question is, “Can the Bay Area keep up with the growth and demand?” Many say no.
- The total number of jobs in San Francisco went up by 115,000 in 2016.
- The city issued only 29,117 new permits between 2015 and 2016, and only 68 percent of them for residential projects.
The Bay Area’s housing market is hot. With a low housing supply and high demand, people are bidding up the price and homes are selling way over the listing price. It’s the perfect storm. According to a report by Zillow, 68.5% of homes sold went for more than the asking price. So how do you compete in this market?
Consider private money
Given the intense competition between buyers, sellers are increasingly requiring all-cash offers. Furthermore, sellers are also shortening escrow lengths and less willing to grant extensions. Obtaining a private money loan from a private money lending institution can help in this scenario.
Getting a pre-approval letter from a San Francisco private money lender can strengthen your position and help you win the bidding war. Unlike traditional lenders, private money lending institutions focus more on a property’s equity relative to the borrower’s credit score. The underwriting and funding process can take place in a matter of days instead of weeks or months. Wilshire Quinn continues to fund private money loans in San Francisco and across the nation.
Asset Based Lending
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 considering credit score and debt-to-income levels. Wilshire Quinn takes pride in its common-sense, equity-based lending. Wilshire Quinn is a San Francisco private money lender with a strong track record. Thanks to years of experience, we are equipped to handle even the most complicated of lending scenarios, and care more about the real estate you are purchasing or refinancing than inflexible bank requirements.
FAQs – Private Money Loans
A private money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Private money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Private money loans are typically short-term ranging from 6 to 18 months.
Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.
Our interest rates typically range from 9% to 12%, 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).
We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.
Private 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.
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.
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.
After receiving a signed term sheet we typically fund in 5 to 7 business days.
San Francisco Private Money Lender
We can fund private money loans in 5-7 days
At Wilshire Quinn we control the lending process and can provide quick answers and closings for your private money lending needs. Contact us for a pre-approval.
Submit a loan application
Partner with private money lenders you can trust.