Complex Commercial Real Estate Loans in California

Private Money Lending for Complex Commercial Real Estate Situations

Not every commercial real estate transaction fits a standard template. Unusual property types, complex ownership structures, compressed timelines, and deals that require creative loan structuring all call for a lender that evaluates each situation on its own merits. Private money lending exists precisely for these circumstances.

Rubicon Mortgage Fund, LLC has been financing complex commercial real estate transactions across California since 2008. Based in Lafayette in the San Francisco Bay Area, we serve borrowers throughout Northern California, the Bay Area, Sacramento, Los Angeles, San Diego, Orange County, and statewide. Our lending decisions are based on the collateral and the viability of the deal, not on standardized credit matrices.

Types of Complex Situations We Finance

• Loans to trusts, estates, LLCs, corporations, and partnerships
• Note hypothecations and note purchases
• Blanket loans collateralized across multiple properties
• Cross-collateralized structures to maximize available loan proceeds
• Partner buyouts and ownership transitions
• Foreclosure and pre-foreclosure situations
• Bankruptcy and post-bankruptcy lending
• Properties with title, zoning, or entitlement complexity
• Special purpose and non-standard property types

How Rubicon Approaches Non-Standard Deals

Every loan request is evaluated on the strength of the collateral, the equity position in the property, and the viability of the borrower's plan and exit strategy. Rubicon physically inspects every property. No personal credit check, tax returns, or income documentation is required. We have the experience and the flexibility to structure loans that institutional lenders cannot, and we have been doing it across California since 2008.

If your situation involves any of the above or something not listed here, contact Rubicon Mortgage Fund, LLC and describe the deal. We will give you a direct answer on whether we can help and what structure makes sense.

Lending Criteria

• Loan amounts from $500,000 to $15,000,000
• Up to 65% loan-to-value (LTV)
• First position only
• Statewide California coverage
• No credit check required
• Loan terms from 6 months to 24 months

Get Started

Contact Rubicon Mortgage Fund, LLC with the details of your situation. We serve borrowers throughout California including the San Francisco Bay Area, Northern California, Sacramento, Los Angeles, Orange County, and San Diego. We typically provide an initial response and preliminary terms within 24 hours of inquiry.