Lending in California since 1979

Borrowers find Point Center to be an excellent source for Commercial Real Estate loans when the borrower and/or the property fall outside the underwriting guidelines of conventional financing institutions such as banks, insurance companies and conduits.

A Broker Approval Package is not required!

Point Center represents private investors that fund loans secured by First Trust Deeds on property in California only. We consider short term real estate loans on a case-by-case basis on behalf of our investors for the following property types*:

Residential Income Property Multifamily (5+ units) Senior Facilities Single Room Occupancy Student Housing Commercial / Industrial Properties Industrial Buildings Business Parks Condominiums Research & Development Manufacturing Warehouse Office Buildings Business Parks Office Condominiums Garden, Mid-rise & High-rise Retail Shopping Centers with anchor tenants Free standing (big box) Retail Strip Flex Space Show Room Retail Office Mixed-Use, any combination of: Apartments Retail Office Hospitality

Hospitality Hotels Preferably Flagged Independently Owned Considered Motels Flagged Franchised Mini Storage Including with RV or Boat storage Mobile Home Parks Nursing Home / Congregate Care Other Special Purpose Truck Stop Churches Restaurants Automotive Related Facilities Auto Repair / Garages Dealerships Gasoline Service Stations with car wash with convenience store with fast food with service bays with rental facility

We also may consider business purpose loans secured by one to four non-owner occupied residential units on a case-by-case basis.

Our loan programs include*:

Interest-Only Loans
This loan has simple interest payable on a monthly basis with a balloon payment due at maturity; interest rates are fixed for the life of the loan.

Amortizing Loans
This loan is amortized over a long term such as 25 or 30 years but has a short term maturity date such as 5 years; interest rates are typically fixed for the life of the loan.

Note Hypothecations
This loan is secured by the pledge of a borrower's beneficial interest in a third party Note and Deed of Trust executed in the borrower's favor.

Point Center arranges short term bridge loans. Loan terms include: 12 months (or less), 2 years, 3 years, and on occasion, 5 years.

Security may also include the use of various additional collateral sources such as cross-collateralization of multiple properties, personal guarantees, irrevocable letters of credit, assignments of CD's, assignments of stock, and UCC1 filings.

For more information on our loan products, see our current Rate Sheet.

* Subject to change without notice.