Our Services

Common Loans that PCFI offers:  

• Acquisition funds for pre-foreclosures, auctions, short sales, REOs, tax liens, or bankruptcy.  
• Construction 
• Bridge financing solutions.  
• Refinancing of existing property
• Purchase of non-performing note or mortgage, option, or other security instrument.  

Acquisition funds are the most common requests and are structured in many different ways.  Immediate access to cash is a great motivator when purchasing real estate opportunities and cash offers with short closings using private capital tend to garnish the lowest acquisition prices.  We provide immediate capital to make these immediate cash offers.

Of greatest importance to us is that we stay within our collateral comfort zone of no greater than 70% loan to value (LTV).

The majority of distressed transactions are acquired for about 50%-70% of market value. 

 Private Commercial Funds International, Inc. will lend against investment properties to allow clients to monetize their equity.  As is the case for all loans with PCFI, the property may not be the client's primary residence and must be within acceptable loan to values.  The funds may be used for commercial or business purposes only.  

Many of our clients use this option while a property is being listed for sale but have cash needs prior the eventual sale, rather than selling the property at a tremendous discount they borrow against the property.  

 Refinances are not the customary use for private capital because of the costs associated with borrowing from such sources.  Generally, a client will use conventional lenders to refinance a private capital loan not vice versa.

There are situations where a refinance makes sense.  Normally these are situations where private capital lender refinances another private capital lender which helps clients refinance other private capital lender to prevent aggressive foreclosure tactics to provide the client more time to implement an exit strategy that maximize their financial situation.

 Private Commercial Funds International, Inc. regularly provides new construction loans to builders on a case by case basis and based on the experience of the client and the complexity of the project.

Private Commercial Funds International, Inc. does not lend for large development projects but rather on one off highly marketable properties in desirable locations and neighborhoods. 

  Private Commercial Funds International, Inc. regularly provides new construction loans to builders on a case by case basis and based on the experience of the client and the complexity of the project.

Private Commercial Funds International, Inc. does not lend for large development projects but rather on one off highly marketable properties in desirable locations and neighborhoods.