Bridge & Value-Add Loans

With a deep focus on the Bay Area and Southern California, Mint Capital is a trusted provider of private bridge loans for commercial real estate across California’s most competitive markets.

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Structured CRE

Mint Capital offers intermediate-term commercial real estate loans for sponsors across California, with deep expertise in value-add strategies and transitional property financing.

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Permanent Loans

Permanent commercial real estate loans for stabilized properties in California’s key markets—including San Francisco, Los Angeles, San Diego, and beyond.

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Advisory Services

Our commercial real estate advisory services support borrowers and sponsors across California—especially in markets like San Francisco, Oakland, Berkeley, Los Angeles, and San Diego—where local expertise and planning insight can make or break a deal.

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Loan Parameters

Our lending parameters are designed for speed, flexibility, and certainty—tailored to meet the needs of experienced real estate investors. We offer bridge and value-add loans across key U.S. markets with straightforward terms, competitive rates, and fast closings.

Loan Size

$500,000 - $20,000,000+

Target States

CA, NV, NY, FL

Interest Rate

9.5%+

Origination Fee

1.5-2.5%

Property Types

MF, SFRs, Industrial, Retail, Mixed-Use

Max LTV

65%

Max LTC

70%

Recourse

Full PG

Target Closing Timeline

< 3 Weeks

Prepayment Penalty

None

Loan Purpose

Cash Out, Fast Close, Value Add, Bridge to Stabilization, Investment

Thanks again for funding so fast and closing this property. It has made our dreams a reality

Jason Reider

General Manager, NVA

Working with Jay was fantastic. He did an amazing job throughout the loan process. He made it incredibly easy and I can’t wait to work with him again

Cody Michaels

Michaels Mechanical

Thank you, Jay. I’m astounded you and the entire Mint Capital team were able to turn this so quickly. I’ll be singing your praises to anyone who listens

Gary Healey

Otto Capital Management

Mint Capital Services

Bridge & Value-Add Loans

Structured CRE

Permanent Loans

Advisory Services

Loan Parameters