Business Purpose Cash-Out Loan Programs in California
Our Business Purpose Cash-Out Loan Program is designed for real estate investors and property owners who need to strategically access equity for business and investment purposes — without selling their asset.
This program allows borrowers to convert trapped equity into deployable capital while maintaining ownership and long-term upside.
Unlike consumer cash-out loans like HELOC’s, these loans are structured strictly for business or investment purposes, providing flexibility, speed, and streamlined underwriting.
| Loan Amounts: | $100,000 – $3,500,000 |
| Property Type: | Residential 1 – 8 Units – Multi-Family – Condos, Mixed Use and Commercial |
| Loan Type: | Business Purpose Cash Out in 1st or 2nd lien position |
| Loan-to-Value: | Up to 80% LTV on Purchase, 70% on REFI and Cash Out REFI |
| Timeline to Fund: | Fast Funding, Typically 10-14 Business Days |
| Terms: | Interest Only or Amortization with 1-3 year terms, 6 month guaranteed interest |
| Occupancy | Owner Occupied or Non-Owner Occupied |
| Underwriting: | Need to document some way to pay the monthly mortgage. Asset depletion, income, rents, savings… |
| Property Valuation: | Broker Price Opinion on Residential SFR or Duplex and Appraisals on Multi-Family and Commercial |
| Interest Rates: | Starting at 8.99% Principal and Interest Payments for 1st Trust Deeds and 10.99% on 2nd ‘s |
| Points & Fees: | 1.5 – 2.0 points Option plus Underwriting of $3,495 + |
| Broker Protection | Broker Friendly |
| FICO: | As Low as 620 FICO / Foreign National OK |
Who This Program Serves
- Real estate investors expanding their portfolio
- Developers needing bridge capital
- Borrowers consolidating higher-cost debt
- Business owners leveraging real estate equity
- Property owners repositioning assets
What Makes Our Program Different
1. Equity-Focused Underwriting
We lend based on asset value and equity position, not traditional income metrics.
2. Speed & Certainty
Decisions are made quickly. Closings often occur in days, not months.
3. Flexible Use of Funds
Proceeds may be used for:
- Acquisitions
- Business investment
- Business Debt consolidation
- Property improvements
- Working capital
- Opportunity capital deployment
Strategic Advantages for Borrowers
- Liquidity without liquidation
Maintain ownership and upside while accessing capital. - Opportunity capture
Act quickly on time-sensitive investments. - Balance sheet optimization
Replace expensive short-term obligations with structured bridge capital. - Tax planning flexibility
Cash-out proceeds from business-purpose loans may offer strategic tax planning advantages (borrower should consult CPA).
Why Mortgage Vintage for Business Purpose Loans in California?
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission, Quick Appraisal, 7 Day Fundings
✓ Fast Construction Draws and Inspections
✓ Flexible and Transparent Loan Process
✓ ADU Funding Based on Committed Terms
✓ Support for Brokers on the take-out refinance, we only do Hard Money
✓ Privacy, Security and Confidentiality through CrowdTrustDeed
✓ Se Habla Español
Surety of business purpose loan funding through CrowdTrustDeed’s simple, secure online marketplace.
Contact
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
