Bay Area Capital Funding, Inc.

(650) 631-1800  toll free (877) 247-1884

Bay Area Capital Funding Inc is a mortgage brokerage located in Northern California.

Our company specializes in residential loans, and construction loans in Northern California. We will also do hard money and private money loans in the San Francisco Bay Area. We do provide construction money in many circumstances, usually in Northern California, for both spec and owner occupied projects. We prefer construction projects in the San Francisco Bay Area.

We are also an experienced and resourceful residential loan broker. We enjoy projects and loans that have been denied by many of the banks and lenders that we compete with. About half of our residential work has been turned down first by other lenders. Our residential page and application can be found at our parent company site at: loan application. Our rates are always competitive and we hold ourselves to high ethical standards. We have approximately 100 different residential sources, including conventional, bridge, portfolio and private money sources.

Regardless of what you seek, we have the resources, experience, service, skills, relationships, and tools needed to complete your transaction quickly and with the best possible rates and terms available in the US marketplace.

Commercial and Commercial Construction Lending:

We support commercial loans and commercial construction projects in all 50 states, and construction projects all over the world. We have many programs available for apartments, retail centers, office buildings, industrial and special use properties. We have many sources for commercial bridge loan money and commercial construction projects such as subdivision, urban infill, condo conversion, rehab, hotel and motel, and industrial projects as well.

However, this type of project is now supported on a different website,

Our sources for commercial construction projects include banks, regional lending institutions, hedge funds, and leveraged trading platforms. We will consider projects in any reasonable location world wide. Commercial loan requests should support a DSCR of at least 1.25. Construction projects should be well-capitalized with a strong equity or collateral position, and be able to provide full financial documentation. All projects should be able to demonstrate a viable exit plan.

Residential Construction Lending:

We still offer residential construction financing, but this is mostly limited to metro areas of California at this time. We have a select few banks that still have an appetite for both spec and owner occupied construction. Clients need to have very strong income and assets, good equity or collateral positions, and be able to provide full financial documentation. Rates are attractive, and fees are low.

We also have some alternative lenders that will consider residential construction. Generally they are less demanding but will therefore be more expensive. These sources include private investors, hedge funds, and niche lenders.

Rehab projects are handled much the same as construction, with the exception that we have a few lenders that offer special "fix and flip" programs for residential rehab and commercial rehab.

Here is a summary of our particular strengths at BACF Inc.:

1) Residential construction or rehab
2) Residential purchase loans
3) Hard Money Loans
4) Residential refinance
5) Spec construction 
6) Cash out loans


We offer competitive rates and award winning customer service for residential and construction loans, in all of California, particularly in Northern California.

Success in meeting your current financing requirements has never been more challenging than it is today. It has never been so critical to find and utilize the services of mortgage professionals committed to accuracy and reliability. We take great care in providing a high level of service for our clients. We always try to answer our own phones in an effort to be available to you.

We go to great effort to minimize paperwork requirements. We are fully automated, and take extraordinary steps to protect your privacy and manage your information in a secure environment. Please navigate our website to learn more about us, what we can do for you, and how easy it is to get started.

Call us now at  650-631-1800 .


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