Loans will be made or arranged pursuant to California Financing Law.
Rubicon Mortgage Fund, LLC. CFL 6053884
Rubicon Realty Advisors, Inc. CFL 6053885. NMLS ID: 2257291
Direct private money lending for commercial real estate across San Francisco and the Bay Area, funded from our own capital since 2008.
Rubicon Mortgage Fund is a direct private money lender for commercial real estate in San Francisco and throughout the Bay Area. We lend our own capital, which means the people underwriting your loan are the people who approve it. There is no syndication, no outside credit committee, and no appraisal to wait on. Most borrowers have a quote from us within 24 hours of getting in touch.
San Francisco deals rarely fit a standard box. Mixed-use buildings with retail below and residential above, TIC and condominium structures, industrial and flex space, multi-unit buildings held in trusts, and 1031 exchanges running against a hard deadline. We underwrite the property and its position in the market rather than the borrower's tax returns, and someone from Rubicon walks every property before we lend on it. If a bank has already said no, or cannot close in the time your deal allows, that is usually where we start.
Every credit decision is made in-house by our own underwriting team. No committees, no syndication, no appraisals, no outside approvals — just a fast yes or no.
We lend on the property, not the borrower's credit score. No credit checks required. If the asset supports the loan, we can fund it.
Speed is our competitive advantage. We can move from application to funding in as little as two weeks — critical when you need to compete for properties in SFSF.
We fund commercial real estate loans from $500K to $15 million across all property types statewide — sized for San FranciscoSan Francisco's market.
We exclusively lend in California and have been doing so since 2008. We know San FranciscoSan Francisco real estate — its cycles, submarkets, and deal structures.
We hold only first position liens. Clean loan structures, predictable terms, and up to five-year loan durations with interest-only payments.
Move fast on commercial property acquisitions in SFSF. No credit checks — decisions in hours, not weeks.
Learn more →Refinance existing commercial real estate to access better terms or unlock equity. Fast, flexible, structured around your timeline.
Learn more →Unlock the equity in your SFSF commercial property — for renovations, new acquisitions, or any business purpose. Up to 65% LTV.
Learn more →Bridge financing to keep your 1031 exchange on track when timing is tight. We move as fast as your deal requires.
Learn more →Short-term commercial bridge loans for acquisitions, value-add plays, and time-sensitive transactions across San FranciscoSan Francisco.
Learn more →Ground-up and renovation construction financing for developers across San FranciscoSan Francisco. Fast approvals and flexible draws.
Learn more →Tell us about your property and we'll provide a fast, no-obligation preliminary quote.
Get a QuoteRubicon 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