Northern California's
Premier Private Lender.

Headquartered in Lafayette, CA · Lending Statewide

Your trusted lender since 2008. Every loan personally structured to meet your needs.

Submit a Loan Request
Scroll
18+
Years Since Inception
$150M
Assets Under Management & Growing
$650M
Total Loans Funded & Counting
CA
Statewide Lending
Rubicon Mortgage Fund California private money lender
About Rubicon

Certainty of execution.

Founded in 2008, Rubicon Mortgage Fund, LLC is a licensed California private money lender specializing in short-term commercial real estate financing. We are a direct lender. Every credit decision is made in-house by our own experienced underwriting team. No committees, no syndication, no appraisals, no outside approvals.

That structure gives us something most lenders cannot offer: genuine flexibility. Every loan we write is tailored to the specifics of the deal. We do not apply a one-size-fits-all template. We listen, we underwrite, and we structure financing that actually fits your situation.

Learn more
In-House Decision Making
Every credit decision is made in-house by our own underwriting team. No committees, no syndication, no outside approvals.
No Appraisals Required
We value every property ourselves. There is no third-party appraisal report to wait on, which removes one of the most common sources of delay.
We Visit Every Property
Rubicon sends its own people to physically inspect each and every property we lend on. We do not outsource that work to a third-party appraisal team.
Fully In-House
Underwriting, legal, and servicing are all handled internally, and your questions are answered by the people making the decisions. Nothing is outsourced, so loans close faster.
Tailored Terms
Each loan is structured around your deal. Flexible terms built to fit your timeline and your specific needs.
Trusted Since 2008
A track record built on consistency, transparency, and returns that have kept investors and borrowers coming back since 2008.
Rubicon Mortgage Fund California

Funding in California.
Built on trust.

Loan Products

Financing customized for
every opportunity.

As a direct private money lender, Rubicon specializes in short-term commercial real estate loan products structured around your timeline and the specifics of your deal.

Lending Criteria

What we look for.

Loan Amount
$500,000 to $15,000,000
Max LTV
Up to 65%
Max LTC
Up to 65%
Interest Rate
Starting at 8.5% (fixed interest only)
Fees
Starting at 1.0%
Loan Position
1st Position Only
Loan Term
6 Months to 24 Months
Geography
Statewide California
Property Types
All Commercial & Residential (non-owner-occupied)
Credit Check
Not Required
Prepayment
Negotiable
We Lend To
Individuals, Trusts, LLCs, Corporations, Non-Profits, and Partnerships
Rubicon private money lender
Quotes typically within 24 hours of inquiry
Direct lender, no syndication
In-house underwriting, no committees, no outside approvals
No appraisals required
Our own team physically inspects every property
Every loan personally structured to fit your needs
Submit a loan request
Recent Transactions

Funded deals.

View full portfolio
How It Works

From inquiry to funded.

01

Submit Your Loan Inquiry

Contact Rubicon with your property details and loan request.

02

Receive a Response

An initial response and preliminary terms, typically within 24 hours. No credit check, no appraisal required. We evaluate deals on the asset and its value alone.

03

LOI Submitted & Signed

Once terms are agreed upon, a Letter of Intent is issued and executed. This confirms the loan structure and sets the transaction in motion.

04

Due Diligence & Inspection

Rubicon conducts its own due diligence on every loan, including a direct physical inspection of the property. This hands-on process is how we underwrite with confidence and structure each loan accurately.

05

Close & Fund

Because every aspect of the process is handled in-house — from underwriting and legal to servicing — we are able to close and fund efficiently, on your timeline, without the bottlenecks that come with outside dependencies.

Who We Serve

Built for every client.

Private money lending built
around your timeline

Whether acquiring or refinancing a commercial property, Rubicon offers direct private money financing structured to fit your deal.

No appraisals required
In-house decisions, no committee approvals
No credit check required
All commercial property types in California
Every loan personally structured to fit your needs
Loans up to $15M at up to 65% LTV
View lending criteria & loan parameters
Lafayette California — Rubicon Mortgage Fund

A reliable lending partner
for your clients

Rubicon works closely with mortgage brokers across the private money lending landscape. Flexible structures, competitive rates, and dependable closings. Present Rubicon confidently on your most complex deals.

Experienced team across private money lending
Non-owner occupied residential & all commercial property types
Flexible loan structures tailored to the deal
Broker information
Broker — Rubicon Mortgage Fund

Competitive returns on
secured real estate loans

Rubicon Mortgage Fund, LLC manages a diversified pool of commercial real estate loans collateralized by California properties. Professionally underwritten, asset-backed lending with full transparency since inception.

Diversified loan portfolio
Secured by CA real estate
Monthly updates on funded deals
Licensed under California Financing Law
Investor information
Investor — Rubicon Mortgage Fund

Ready to fund your next deal?

Rubicon Mortgage Fund, LLC is California's premier direct private money lender for commercial real estate. In-house underwriting. No appraisals. Initial response typically within 24 hours.

(925) 283-8919
FAQ

Your questions,
answered.

Everything you need to know about working with Rubicon as your private money lender. Still have questions? Call us at (925) 283-8919.

Rubicon Mortgage Fund lends statewide across California. Our primary markets include the San Francisco Bay Area, Sacramento, the East Bay, the Peninsula, Marin County, Napa and Sonoma, the Central Valley, Los Angeles, Orange County, and San Diego. If the property is in California, we want to hear about the deal.
No. Rubicon is an asset-based private money lender. Lending decisions are based on the value and quality of the underlying property, not your credit score. This allows us to serve a wider range of borrowers with greater certainty of execution.
Rubicon is structured to close efficiently. Every decision is made in-house, we do not require an appraisal, and we inspect the property ourselves — so there are no committee delays, no third-party reports, and no outside dependencies. Timelines vary by deal, but our process is designed to move as the deal requires.
All major commercial types: multifamily, retail, office, industrial, mixed-use, hotels, mini storage, mobile home parks, RV parks, and special purpose properties.
No. All decisions are made directly by Rubicon through our in-house underwriting team. No committees, no outside approvals, and a single point of contact throughout the entire process.
Yes. Rubicon Mortgage Fund, LLC. CFL #6053884. Rubicon Realty Advisors, Inc. CFL #6053885. NMLS ID: 2257291. All sales officers are licensed and insured.

Proud sponsors of industry-leading organizations

SF Bay Area Mortgage AssociationSIOR Nor CalCalifornia Mortgage AssociationNorCal CCIMAAPLBelden Club