For Professional Fiduciaries
Estate Liquidity Without the Fire Sale.
Professional fiduciaries manage other people's outcomes under court and statutory scrutiny — and real property is where administrations stall. We lend to estates, trusts, and conservatorships directly, on court-compatible timelines, so you can administer from a position of liquidity instead of desperation.
Client Scenarios
Where We Help Your Clients
Administration Liquidity
Debts, taxes, and expenses due before property can reasonably sell. A loan to the estate or trust, secured by its real property, funds administration without dumping the asset below market.
Equalizing Distributions
One heir wants the house; the others want their share. Financing secured by the property lets the estate distribute equitably without forcing a sale nobody wants.
Pre-Sale Property Preparation
Deferred maintenance is a discount at sale. Renovation capital — with draws — lets the fiduciary deliver the property at its actual value rather than its neglected one.
Reverse Mortgage & Lien Payoffs
A reverse mortgage due on death, a foreclosing lender, or property taxes in arrears. We pay off the pressing lien and give the administration room to proceed deliberately.
Conservatorship Property Needs
Preserving a conservatee's property — repairs, arrears, carrying costs — with court approval in the loop. We're comfortable being part of a supervised process.
How It Works
Three Steps, No Surprises
Step 1
Scenario and Authority Review
We look at the property, the need, and your authority documents — letters, trust instrument, or court order. You'll know quickly whether the structure works.
Step 2
Terms Your Counsel Can Review
Written terms suitable for counsel and, where required, the court. We've been part of supervised administrations before; documentation rigor is the default, not an upcharge.
Step 3
Funding on the Administration's Calendar
Fast when the situation demands it — as fast as 7 business days — and patient when court approval sets the pace. The loan serves the administration, not the other way around.
Why CDF
Built for Referral Trust
Estates and Trusts Are Core Business
Probate and estate lending is one of our eight standing programs, not an exotic exception. Vesting in estates, trusts, and entities is routine.
Court-Timeline Fluent
Confirmation hearings, notice periods, supervised sales — we've funded around them since 2009. We know what a fiduciary can and cannot promise a lender.
Conservative, Defensible Structures
First trust deeds at conservative leverage, typically 65% LTV or below on estate property. Terms a fiduciary can defend to beneficiaries and the bench.
Fiduciaries & Trustees FAQs
Questions Partners Actually Ask
Can an estate or irrevocable trust actually borrow?
Yes. We lend to estates, trusts, and entities regularly — the loan vests in the estate or trust, secured by its real property, supported by your authority documents (letters testamentary or of administration, the trust instrument, or a court order).
Do you require court approval?
We follow what the administration requires. Where court approval is needed, we structure terms that can be presented to the court and hold while approval is obtained; where the fiduciary has independent authority, we move on your timeline.
What are typical terms for estate and trust loans?
From 10.99% on our probate and estate program, 6–24 month terms, $100K–$3M, first trust deed position, typically at or below 65% loan-to-value. Interest-only payments keep carrying costs predictable during administration.
How fast can you fund when there's a deadline?
As fast as 7 business days from a completed application when the authority documents are in order — relevant when a reverse mortgage matures, a tax sale looms, or a trustee sale date is set.
Are these consumer loans?
No — loans for estate and trust administration are business-purpose, secured by California real estate. Where a scenario would be consumer-purpose, we identify it on the first call and say so.
One Scenario Is All It Takes
Call with a live client situation and judge us on the answer. Most partnerships here started exactly that way.
Call (626) 796-1680