Fix & Flip, Bridge, New Construction, and Rental loans for real estate investors nationwide. Fast answers, no hassle.
Pacific City Funding is a specialty real estate capital provider working hand-in-hand with investors, developers, and operators across the country. We cover the entire debt capital stack — from bridge and renovation to construction, rental, and mezzanine financing.
With over 14 years of combined experience and 1,100+ loans originated, our team of experienced advisors personally works every deal — from first call to funding.
Talk to an AdvisorMost lenders turn away new investors. We built our Fix & Flip program specifically to fund deals for borrowers at every experience level. If the deal makes sense, we'll fund it — simple as that.
Get Approved Today →Send us your deal via the form below or call us directly. Our loan advisors provide a fast approval or denial — no waiting, no guesswork. Response within 4 business hours guaranteed.
Your loan goes through our streamlined underwriting and is reviewed by our credit committee. We keep you in the loop every step of the way — you'll always know exactly where your deal stands.
Once approved, we issue loan documents and go to funding. Bridge loans close in 7–21 days. New construction in 15–21 days. We've closed hundreds of deals on tight timelines — speed is our standard.
Every deal is different. Our programs are built to move fast and adapt to your specific financing needs — whether you're flipping your first property or scaling a portfolio.
Short-term funding for the purchase and repair of investment properties. Up to 90% of purchase + 100% rehab. No experience required.
Short-term funding for acquisition or refinance of investment properties in any condition. Close in as little as 7 days.
Ground-up financing for shovel-ready lots and teardowns. Up to 90% of Total Loan-to-Cost (LTC). Spec homes, infill, teardowns, and subdivisions all eligible.
Long-term financing for single-family and multifamily rental portfolios. Stabilized and unstabilized properties both eligible.
Short-term bridge financing for 5+ unit residential assets built to rent or sell. Close the gap from construction to stabilization.
Consolidate multiple investment properties into one loan. Simplify your portfolio debt structure and free up capital.
Private lending is a relationship business. When you work with PCF, you work directly with experienced people — not a call center. Every loan has a dedicated advisor from first call to funding.
Liam personally works every deal at PCF. With a decade of origination experience and a reputation for closing loans others can't, he's the reason borrowers come back deal after deal. Specializes in Fix & Flip, New Construction, and complex bridge scenarios.
Our underwriting team moves fast without cutting corners. They've seen every deal type across every market cycle — and they're committed to giving you a clear, honest answer on your scenario within hours, not days.
The team that gets you to the finish line. From title coordination to doc preparation and wire instructions, our operations team has closed loans in as few as 3 days — and they treat every closing like it's their most important one.
"Liam always delivers! If you are looking for a lender to take care of any of your financial needs, look no further. Liam will get the job done — every single time."
"Liam is fantastic! His professionalism, skill & overall good vibes made an otherwise stressful process a total breeze. He will get the job done — and make it look easy."
"White-glove service is an understatement. PCF guided us through every step with expertise and care. Closed on time, no surprises, and we'll be using them on every deal going forward."
Submit your scenario and we'll get back to you within 4 business hours with a real answer — not a runaround. No obligation. Just fast, honest feedback on your deal.