Not Your Typical Lender...

We are flexible in areas where other lenders aren’t. At Pacific Equity & Loan, we understand that each investor is unique and we work hard to structure a loan to fit your needs. Want to see what we can do for you? 

Book call

Newsletter

Sign up for our newsletter and we will send over a FREE Scope of Work Template! Join our Community of Flippers, Investors, Experts and more.

About Us

Here to help you succeed

Pacific Equity and Loan focuses on empowering clients through offering flexible terms, fees, and competitive rates to creatively structure loans to fit clients’ needs. Dedicated to creating a fast process for all clients and with low origination costs, Pacific Equity and Loan is the optimal lender for your next real estate investment. Now lending in Texas, Colorado, and Washington State.

Remodeled older style home exterior

Our Process

Get Funded in 5 Easy Steps

Schedule call
APPLY NOW
Fix & Flip
as low as
11% For 6 – 24 Month Plans
  • Non-owner Occupied Only
  • Purchase, Refinance, Cash Out, Rehab
  • 75% LTARV, 85% LTC
  • $75K-$3 Million
  • Interest Only Payments
  • Min. FICO: 600
GET STARTED
5% down
for
Fix & Flip Properties Only
  • Terms: 6-24 months
  • Interest Accrual Method: Dutch
  • $75k min. loan amount (purchase + repairs), max. loan amount $600K
  • Up to 95% LTC and 70% LTARV
  • Min. FICO: 600
GET STARTED

Services

Explore What We Offer

Hard Money Loans on Fix & Flips

View All

Quick Closings 5-12 days

Min. Credit Score 600

Rates Starting at 11%

Origination Fee as low as 2 pts

Testimonials

See What Our Borrowers Have to Say About PEAL

Best hard money lenders I have connected with. Have worked with them since my first project and love there service.
Ernesto Chazari
Ernesto ChazariEye Property Investments
5* all around. Excellent Custome Service!!!! We never had to wait for any information. They provided everything they said they would; even before their promised time line. We will defenitly be using them again.
Saul n Jodi Negrete
Saul n Jodi NegreteS&J
PEAL has been great to work with from flipping to construction loans. Easy loan applications and website for draws. Customer service has been stellar... All in all a great company to work with. Thank you guys!
Layne Bouche'
Layne Bouche'Realtor/Flipper/Investor
The team was very instrumental in seeing the loan process be as seamless as possible. Jedrich was a great account manager and loved the whole experience. Great, great, customer service. Thank you!!!
Eric Mbiu
Eric MbiuSTEM Developers
Previous
Next

Blog

Take a Break and Read All About It