Loan Amount: $300,000

Loan Term: 24 Months

LTC: 48%

Loan Position: First Position Deed of Trust

Sacramento Bakery Expansion

The Opportunity

A thriving family-owned bakery currently based in Rio Linda has expanded into Sacramento with the acquisition of a new commercial building, marking a significant milestone in their growth journey. This $300,000 acquisition loan will enhance their production capacity and strengthen their market presence in the local community.

Unique Advantage
Our familiarity with the property provided a distinct advantage in this transaction. Having previously financed the building’s acquisition for its prior owners, we possessed comprehensive knowledge of the property and location. This institutional insight enabled us to expedite the process, completing the deal in under three weeks.

Client Profile
At the heart of this success story is a family-owned bakery deeply committed to crafting exceptional products for their customers. Their dedication to quality and service has fueled steady growth, necessitating this expansion to meet increasing demand. While they initially sought conventional financing, timing challenges led them to seek a more agile solution.

Strategic Solution
Our financing solution was carefully structured to align with the bakery’s operational needs and growth objectives. Key features include:

• $300,000 acquisition loan
• Accelerated closing timeline (under three weeks)
• Flexible terms tailored to the business’s cash flow
• Strategic location for business expansion

Impact & Future Growth

This acquisition provides the bakery with:

• Increased production capacity
• Enhanced operational efficiency
• Improved ability to serve their growing customer base
• A strong foundation for future expansion

Partnership in Action
This transaction exemplifies our commitment to supporting local businesses with:

• Deep market knowledge
• Streamlined loan processes
• Understanding of family business dynamics
• A focus on building long-term relationships

Looking Forward
We’re proud to play a role in this bakery’s growth story and stand ready to support other businesses in achieving their expansion goals. Whether you’re an established enterprise or an emerging entrepreneur, our team provides the financial expertise and support needed to turn business aspirations into reality.

Loan Amount: $650,000

Loan Term: 12 Months

LTV: 43%

Loan Position: First Position Deed of Trust

Transforming a Modest Home into a Vibrant 5-Home Subdivision

Hollister, CA – Rubicon Mortgage Fund, a leading direct lender specializing in short-term commercial real estate loans, is pleased to announce the successful funding of a $650,000 cash-out refinance loan for a unique single-family residence on 30 acres of land in Hollister, California.

A Strategic Refinance for Maximum Potential

The experienced borrower, a local business owner with a proven track record in property development, plans to leverage the cash-out refinance to unlock the property’s full potential. The funds will be used to subdivide the front five acres of the 30-acre lot into five one-acre lots, each suitable for building a single-family home. The existing single-family residence, which resembles a compound with a shed and garage, will be renovated and sold.

The property’s vast acreage and agricultural potential offer endless possibilities for future development. With careful planning and execution, the borrower aims to create a thriving residential community while maximizing the value of the land.

A Non-Traditional Deal, Requiring a Non-Traditional Lender

The unique nature of the property, coupled with the vacant status of the single-family residence, made it challenging to secure traditional financing. Rubicon Mortgage Fund’s ability to assess non-traditional deals and provide flexible financing solutions proved to be the perfect fit for this project.

A Low-Leverage, High-Impact Investment

Rubicon Mortgage Fund’s low-leverage approach to lending ensures prudent risk management while maximizing returns for investors. This strategic investment in the Hollister property exemplifies the Fund’s commitment to supporting innovative real estate projects and empowering experienced developers to achieve their goals.

Loan Amount: $4,000,000

Loan Term: 12 Months

LTC: 50%

Loan Position: First Position Deed of Trust

Fast-Track $4 Million Acquisition Loan for Local Developer in Lafayette: Rubicon Mortgage Fund at Work

When it comes to successful acquisitions, time is often of the essence. Rubicon Mortgage Fund, a premier direct lender specializing in short-term commercial real estate loans, recently completed a notable acquisition loan for $4 million—supporting a highly experienced local developer group. This transaction demonstrates not only Rubicon’s commitment to local development but also its flexibility in delivering quick funding for strategic investments. This strategic investment was made at a 50% loan-to-cost (LTC) ratio, demonstrating the Fund’s commitment to providing flexible and competitive financing solutions to its borrowers.

Supporting Local Visionaries with Fast and Flexible Financing

The borrower, a strong local development group with a history of successful real estate investments, recognized the unique potential of a property located less than a block away from Rubicon Mortgage Fund’s headquarters in Lafayette. Just steps from the bustling heart of downtown Lafayette, this property promises prime value due to its accessibility and close proximity to local amenities, creating an ideal setting for a large-scale project.

A Mixed-Use Gem with Tremendous Redevelopment Potential

This acquisition includes an impressive 13,000 square feet of retail and office space across approximately one acre of land. Adding to its value, the property currently includes ample parking space—an increasingly rare asset in bustling downtown areas. The most exciting aspect of this acquisition is its current entitlement for over 50 residential units, creating a significant opportunity for development in a highly desirable neighborhood. Given the property’s central location, it’s poised to attract a diverse mix of commercial tenants and future residents, supporting Lafayette’s continued growth.

Speed and Expertise in Loan Closing

One of the primary factors that made Rubicon Mortgage Fund the preferred lender for this project was our ability to work swiftly. This acquisition loan closed in under four weeks, exemplifying our commitment to providing fast, reliable capital to meet our clients’ time-sensitive needs. Our deep local knowledge and established connections allowed us to deliver funding quickly, helping the developer group secure this prime property in record time.

Investing in Our Local Community

As a direct lender with deep roots in Lafayette, Rubicon Mortgage Fund takes pride in fostering local development by supporting trusted local partners. “We are excited to support local investors and contribute to the continued growth and development of Lafayette,” said Vance Hillstrom, CEO at Rubicon Mortgage Fund. We know that empowering strong developers not only benefits our clients but also contributes to the ongoing vibrancy of our community. Through acquisition funding like this, we help make transformative projects possible.

If you’re an investor looking for flexible, fast-paced financing to close on your next acquisition, Rubicon Mortgage Fund offers expertise in navigating the unique demands of commercial real estate projects. Reach out today to learn how we can support your vision with the funding and expertise you need to succeed.

Loan Amount: $650,000

Loan Term: 24 Months

LTV: 55%

Loan Position: First Position Deed of Trust

Rubicon Mortgage Fund Provides $650,000 Cash-Out Refinance for Popular Pleasant Hill Taco Shop

Pleasant Hill, CA – Rubicon Mortgage Fund, a leading direct lender specializing in short-term commercial real estate loans, is pleased to announce the successful funding of a $650,000 cash-out refinance loan for a popular taco shop in Pleasant Hill, California.

A Strategic Refinance

The experienced restaurant operator, who also owns another successful location in San Francisco, utilized the cash-out refinance to achieve several strategic goals. The funds will be used to pay off a construction loan incurred for significant tenant improvements, including a brand-new, high-end kitchen and an expanded floor area. Additionally, the refinance will help lower the monthly payments on the property, freeing up valuable cash flow for the business.

A Prime Location

The taco shop is situated on a prominent, high-traffic road in Pleasant Hill, ensuring excellent visibility and easy accessibility for customers. The restaurant has cultivated a dedicated following and is a beloved local spot known for its delicious food and vibrant atmosphere.

A Smooth and Efficient Closing

Rubicon Mortgage Fund’s streamlined lending process and experienced team enabled a smooth and efficient closing of the transaction.

Supporting Local Businesses

“We are proud to support local businesses and help them achieve their growth goals,” said Tait Wessel (Senior Loan Officer) at Rubicon Mortgage Fund. “This cash-out refinance will enable the borrower to continue investing in their business and provide an even better experience for their customers.”