Commercial Loans

Commercial Loans

We offer commercial loans nationwide. There are many industries that can benefit from getting a commercial loan such as construction, healthcare and social assistance, retail, transportation and warehousing, accommodation and food services, or your “mom and pop” neighborhood store to name a few.

Alternative Mortgage Loans

Alternative Mortgage Loans

ARC Capital is a company that offers financing in the specialized field of hard money loans, also known as private money loans, for all property types in California. Our company works with over 400 private investors to achieve lending terms that meet their current needs and investment goals.

Fix and Flip Loans

Fix and Flip Loans

We offer fix and flip loans, also know as rehab loans. It is becoming a more and more common form of real estate investing. Fix and Flip involves purchasing properties, making repairs and upgrades to make them more appealing to potential buyers, and then selling them for a profit.

Owner Occupied Loans

ARC Capital Does Owner Occupied Loans In CaliforniaARC Capital does two types of owner occupied loans on residential properties up to 4 units in California.  (We also lend on 5+ units but those are classified as commercial properties.)  We are only licensed to do owner occupied loans in California. Below are the two loan programs

Does ARC Capital Do Owner Occupied Loans?

One of the most frequent questions ARC Capital is asked is if we will do hard money loans for owner occupied homes either in California or other states in the US. We only loan on owner occupied homes if the funds are specifically intended for business purposes. This means that the loan funds are used

Can I Get A Loan After A Bankruptcy, Short Sale, or Foreclosure?


“Hello ARC Capital”,

I am trying to find ways to help some of my clients…

Some of my clients are probably ready to buy at this time. Others have had a foreclosure, short sale and /or bankruptcy in the past 1,2,3 years.

I do not know if there is a possibility for them. Could you please help me and my clients get some information and possibilities and/or hope?

Thank you for your attention.”

(Submitted by a real estate agent)


Buying a Property Based on After-Repair Value (ARV) Using a Private Money Loan

Interviewer: Are you doing any loans based on after repair value? Todd Wilson:   We are doing some and the key to those is the borrower still has to have some money into the deal.  If they don’t have any skin in the game, there is no investor that we know of, that’s going to