Rates & Terms
Every Program. Every Number. One Page.
Capital Direct Funding writes business-purpose loans secured by California real estate — $50,000 to $5,000,000, rates from 9.50%, terms of 6 to 36 months, closing in as few as 7 business days. The full grid is below; every number links to its program page.
| Program | Rates | Max Leverage | Term | Loan Amount |
|---|---|---|---|---|
| Fix & Flip | From 9.99% | Up to 75% of ARV | 6–18 months | $100K–$3M |
| Bridge | From 9.99% | Up to 70% LTV | 6–24 months | $100K–$5M |
| Ground-Up Construction | From 10.99% | Up to 65% of completed value | 12–24 months | $250K–$5M |
| Cash-Out Refinance | From 9.99% | Up to 65% LTV | 12–36 months | $100K–$3M |
| Probate & Estate | From 10.99% | Up to 65% LTV | 6–24 months | $100K–$3M |
| Foreclosure & Bankruptcy Recovery | From 11.99% | Up to 60% LTV | 6–24 months | $100K–$2M |
| Self-Employed Solutions | From 9.99% | Up to 70% LTV | 6–36 months | $100K–$3M |
| ADU Construction | 9.5%–11% | 75–85% LTC (per unit) | 12–18 months | $60K–$300K |
What Every Loan Has in Common
- First trust deed position on California real estate
- Business-purpose lending only — investment property, commercial, and business-purpose transactions
- No tax returns required; asset-based underwriting
- Closings in as few as 7 business days
- Direct lender — decisions from the people funding the loan
- 24-hour response on every inquiry
For Accredited Investors
On the other side of these loans: whole-note, first trust deed investments yielding 8.95%–10.95%, paid as monthly interest, with no fund fees and no lock-ups.
Trust deed investing with CDF →Rates and terms shown are starting points and ranges as of the date on this page; final pricing depends on property, leverage, exit strategy, and overall risk profile, and is confirmed in a written term sheet. All loans are business-purpose, secured by a first trust deed, and subject to underwriting. Capital Direct Funding, Inc. — DRE# 01885595 | NMLS# 1159831. Call (626) 796-1680 for a same-day quote.