PACIFIC CAPITAL EQUITY MANAGEMENT INC.

A Private Mortgage Funding Corporation 

Local | 916.538.7958         Toll Free | 844.544.9144


A Reliable Source of Financing

Pacific Capital Equity Management Inc. offers equity-based loans to borrowers, who need capital as quickly as possible and struggle to obtain loans from traditional and institutional non-conforming mortgage lenders. Our company is a licensed private money lender that offers transparency and dependable execution. We provide competitive rates and an efficient funding process, which make us the best choice in the area for those actively seeking quality real estate investment financing and joint ventures.


Getting Your Project Up and Running

Our team is always prepared to support your real estate project. Once you find a sound investment opportunity and get it under contract, we'll provide the money in order to close the deal. We can also help you with rehab costs if needed. We provide borrowers with quick access to private real estate capital for Non-Owner Occupied Residential properties

  • Easy Submission
  • No minimum FICO requirements
  • No Debt to Income Requirements
  • Recent Foreclosure / Short Sale OK
  • Self Employed OK
  • Stated income/bank statements only
  • Cross collateral welcome
  • Lending to LLC's, Trusts and Individual Borrowers
  • Reserve requirement: Borrower to have 4 months
    interest payment reserves, down payment, closing costs, rehab funds
Business Owner

Purchase and Rehab Loans

Great opportunities usually are time sensitive. As such, you need a lender committed to evaluating your deal and funding as quick as possible. Everyone understands the need for due diligence, but no one should needlessly prolong the finalization of a deal due to neglect or indecision.  We provide swift answers, are responsive to borrowers, demonstrate patience and flexibility, and deal fairly to provide a Win-Win situation.

  • Up to 80% LTV
  • Rates starting at 8.5% Interest Only
  • 3 mos. - 4YR terms
  • Loan amounts: $25,000 - $3,000,000
  • Third party appraisal or BPO
  • No pre-payment penalty options


  • 1st & 2nd Trust Deeds
  • Acquisition, Refinance, Cash Out
  • 2nd TD up to 60% CLTV
  • Interest Only 
  • Points: 2 - 3 ($2,249 minimum)
  • Types: Residential & Multi-Family/Apartments/Commerical/Land


Cash Out Refinance Loans

If you have equity in your home, you can use that to invest in your next real estate venture. We help you to utilize your unused resources in order to make money in the long run. When receiving a cash out or refinancing loan, you must be located in the metropolitan area.

• Up to 80% LTV 
• 8.99 - 11.99% Interest Only
• 3 Months - 4 Year Loan Terms
• Stated - Stated On Non Owner Occupied
• Stated - Owner Occupied (Business Purpose Only)
• Pre-Payment Penalty (PPP) Applies
• Use Subject Property Rent Roll for Income



• 1st & 2nd Trust Deeds 
• Cross Collateralize Other Real Estate Owned (REO) Properties To
  Mitigate Risk for Approval
• Stated - Stated - Stated Available - (Non-Owner Occupied)
• Entities OK
• Quick Funding
• Same Day Approval



Construction Loans

• Property Type - Single Family & Multi-Family
• Loan Amounts - $30,000 to $1M
• Loan Terms - 12 to 36 Months 
• Lien Position - 1st
• Loan To Cost (LTC) - Up To 70% Of the Total Cost (Property Plus
  Construction Costs)

• Land - Borrower must have a 50% position equity on subject 
• Loan Rates & Points - Lender Points 2+
• Interest & Profit Share - 15-25%