California Direct Private Lender

California Commercial Real Estate Lending

Asset-Based Private Financing for Serious Investors. No W-2. No Committees. Just Capital.

βœ“ No income verification required βœ“ Close in days, not months βœ“ Asset-based underwriting
Direct Lender California Private Capital
Asset-Based No Tax Returns Required
20+ Years Active in California Markets
Fast Closings Measured in Days
Our Lending Solutions

Commercial Loan Programs

We fund deals conventional banks decline. Asset-based underwriting, direct capital, and a straightforward process designed for experienced investors.

Commercial Bridge Loans

Short-term financing to bridge the gap between acquisition and long-term debt. Close fast on time-sensitive commercial deals.

  • LTV up to 70%
  • 12–36 month terms
  • Office, retail, industrial
Learn More β†’

Apartment Cash Out Refinance

Unlock equity from your multifamily property without selling. Asset-based underwriting β€” no W-2 or tax return required.

  • LTV up to 65%
  • 2–50+ unit buildings
  • Statewide California
Learn More β†’

Commercial Mortgage Loans

Private commercial mortgage financing for acquisitions, refinances, and cash-out on office, retail, industrial and mixed-use properties.

  • LTV 55–70%
  • All commercial types
  • Statewide California
Learn More β†’

Stated Income Commercial Loans

No income documentation required. Designed for self-employed investors, LLC borrowers, and those with non-traditional income histories.

  • LTV up to 65%
  • No tax returns
  • LLC friendly
Learn More β†’

Commercial Rehab Loans

Acquisition and renovation financing for value-add commercial properties. Draw-based funding tied to construction milestones.

  • Up to 65% ARV
  • 12–24 month terms
  • Staged draw structure
Learn More β†’

Not Sure Which Loan Fits?

Our loan officers work with you to structure the right financing for your specific deal. Call us or submit your property details.

Discuss Your Deal (310) 341-0306
Why Investors Choose Us

The MKK Capital Difference

We are a direct lender, not a broker. When you call us, you speak with the decision-maker β€” not a processor who relays your file to an underwriting committee.

Speed That Matters

Term sheets within 48 hours. Closings measured in days, not months. When a deal has a deadline, we work to it.

Asset-Based Decisions

We underwrite the property, not your tax return. Strong equity and a solid asset drive our approval β€” not W-2 forms or bank statements.

Direct Private Lender

No broker layers. No approval committees. You deal directly with the people who fund the loan β€” from first call to close.

California Specialists

20+ years lending across California's commercial real estate markets. We know Los Angeles, the Bay Area, San Diego, and every market between.

Complex Deals Welcome

Transitional assets, value-add plays, LLC borrowers, self-employed investors β€” the scenarios other lenders decline are our day-to-day.

Transparent Terms

All rates, fees, and points disclosed upfront in the term sheet. No surprises at closing, no hidden charges mid-deal.

Proof of Performance

Recently Funded Deals

A selection of recently closed transactions across California and select national markets.

Commercial Bridge Loan
Los Angeles, CA

Bridge financing for a mixed-use acquisition in Los Angeles. Conventional lenders declined due to partial vacancy. Funded on the asset's repositioning value.

Closed
Apartment Cash Out Refinance
Orange County, CA

Cash-out refinance on a stabilised 12-unit apartment building. Self-employed borrower with strong asset, no conventional income documentation available.

Closed
Commercial Rehab Loan
San Diego, CA

Acquisition and renovation financing for a value-add retail strip in San Diego. Draw structure tied to contractor milestones with independent inspections.

Closed
Property Types We Finance
Office Buildings
Retail Strips
Mixed-Use
Multifamily 2–50+ Units
Industrial
Warehouse
Self-Storage
Light Manufacturing
Hospitality
Value-Add / Distressed
Insights

From the MKK Capital Blog

Ready to Fund Your Next Deal?

Speak directly with a loan officer. No committees, no delays.