Security Financial is neither a high-priced hard-money lender nor a slow-moving conventional originator. We specialize in providing short- to medium-term purchase and refinance loans for commercial and select residential income properties in Northern California. Thanks to the mix of our own capital and low-cost lines of credit, we’re able to offer some of the lowest private lending rates around.

We’re a direct lender, so we don’t consult with outside investors to approve deals. We use a combination of our own capital in addition to a low-cost syndicated line of credit (which was established decades ago).

For Borrowers who have an immediate close of escrow or have a hard to finance property, we can close in as fast as 3-5 business days! We have the ability to work very fast to meet short deadlines, and we have done it many times. 

Short or medium term solution to purchase, rehabilitate, or lease-up property. Solves situations where the property is un-stabilized and needs improvements before it can be sold or refinanced by a conventional lender. Major Rehab considered.