Fix & Flip, Bridge, New Construction, and Rental loans for real estate investors across the country.
Pacific City Funding is a specialty real estate capital provider working with investors, developers, and operators across the country. We cover the full debt capital stack — from bridge and renovation to construction, rental, and beyond.
With over 14 years of combined experience and 1,100+ loans originated, our team personally works every deal from first call to funding — no call centers, no handoffs.
Talk to an AdvisorMost lenders turn away new investors. We built our Fix & Flip program to fund deals for borrowers at every experience level. If the deal makes sense, we fund it.
Get Approved Today →Send us your deal via the form or call directly. Our advisors give you a fast approval or denial — no waiting. Response within 4 business hours, guaranteed.
Your loan goes through streamlined underwriting and our credit committee. You'll always know exactly where your deal stands — no black boxes, no surprises.
Once approved, we issue docs and go to funding. Bridge loans close in 7–21 days. New construction in 15–21 days. 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 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. Up to 90% 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.
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 debt structure and free up capital across your portfolio.
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 are committed to giving you a clear, honest answer within hours — not days.
The team that gets you to the finish line. From title coordination to wire instructions, our operations team has closed loans in as few as 3 days and treats 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."
"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."
Use our interactive loan sizer to instantly calculate your rate, max loan amount, DSCR, and cash to close — powered by live Diya Finance pricing.
Submit your scenario and we'll respond within 4 business hours with a real answer. No obligation. Just fast, honest feedback on your deal.