Novato Funding
real estate lenders Building Your Vision!

At Novato Funding we don't just provide loans. We partner with our clients to build their vision.

This is what people working with us say:

"Novato Funding offers a quick, no-nonsense path to capital…."

"The experts at Novato Funding have a deep understanding of the numbers behind the lending but are also approachable and responsive, which is a rare combination these days."

Situations Where We Excel & Problems We Solve

• Time-Sensitive Opportunities: When you need to move quickly on a purchase or start a project without the lengthy delays of traditional bank financing.
• "Story" Deals or Unique Circumstances: When your project or financial picture has complexities that require a lender with deep real estate acumen to understand the underlying value and potential.
• Need for Certainty: When you need a firm commitment from a direct lender who uses their own capital and won't change terms at the last minute.
• Value-Add Projects: When you're undertaking significant renovations or construction where a lender's understanding of budgets, ARV, and the development process is critical.
• Experienced Operators Seeking a Sophisticated Partner: When you've outgrown purely transactional lending relationships and seek a financial partner who can understand and support your strategic growth.

Second Lien Bridge Financing

The Challenge:

Urgent Liquidity Needed. An experienced investor with a strong portfolio was asset-rich but cash-constrained while awaiting another property sale.

Our Solution: We thoroughly reviewed their overall assets and structured a timely second lien on a family-owned, non-owner occupied residential property in Palm Springs, providing crucial bridge financing when conventional options were too slow or inflexible.

First Lien Fix and Flip

The borrowers are experienced fix-and-flip investors who are currently finishing a similar project nearby.

They obtained this property through an off-market wholesale deal. The project shows strong financial fundamentals, including a substantial down payment, healthy profit margin, and excellent credit scores.

Additionally, the borrowers have significant cash reserves, which demonstrate their financial stability.

First Lien Ground Up Construction

The Challenge:

Construction Costs & Delays. A husband-and-wife team (experienced GC) building a custom home in Marin County faced rising inflation and potential bank delays when their project was two-thirds complete.

Our Solution: Recognizing their significant equity and experience, we quickly provided the necessary construction bridge loan, ensuring their project stayed on track and on budget.

Most traditional lenders evaluate projects and borrowers using a one-size-fits-all approach.

We understand the importance of risk management, but we also believe in the potential of each project and entrepreneur.

That's why we work closely with our clients to explore opportunities and solutions that others may overlook, or that may be hidden.

Our commitment is to help you unleash the full potential of your vision.

Typical Fund Uses

• Real Estate Bridge Financing
• Acquisitions
• Fix and Flip
• Expansion