The Loan Company has served San Diego County since 1974 as a private, direct lender, funding loans of $250,000 and up for an array of income-producing commercial and residential real estate.
The Loan Company offers an alternative for borrowers who want the personal service of a private lender, but not the high cost, and the reputation of a stable lender, but not the bureaucracy. Simply put, our business is making good loans quickly.
We are an experienced team of real estate financing professionals reputed for our expertise, dependability, and superior service.
We treat our clients the way we would like to be treated, which is evident in every transaction we do. We attribute much of our success to this ethic — most of our financing transactions are with repeat customers or referrals from client relationships established over many years.
Brokers find The Loan Company to be an excellent source for small and mid-size commercial real estate loans in San Diego County.
We value our mortgage broker relationships and support a collaborated effort for their clients to obtain financing.
Loan Application Process
To get started, contact our underwriting team and they will walk you through our 5-step process.
- Step 1: Request Loan
- Step 2: Structure Loan
- Step 3: Documentation
- Step 4: Underwrite Loan
- Step 5: Close Loan
- OUR APPLICATION PROCESS IS FAST
Contact one of our underwriters and submit your completed Personal Financial Statement.
Greg Adelman
Portfolio Development Manager
We request only common sense information necessary to support your ability to repay the loan, including:
- Pertinent property information, including digital photos
- Personal Financial Statement with real estate schedule
- Personal tax returns for the previous two years
- Borrower Credit Score
- If the borrower is a corporation, an LLC, or a partnership, the entity documents and necessary financial statements and tax returns will be required. Typically we require personal guarantees.
Once all information is collected, our due diligence and underwriting are completed for final approval. If approved we move to the final step.
Schedule loan documents for signing and provide executed documents to title and escrow. Loan will be funded upon approval from title & escrow.
Michelle McGuire Richardson
President
(619) 293-7770 x204 Email Michelle
Michelle brings 30+ years of banking, lending, operations and leadership experience to The Loan Company. Her lending experience spans non-QM, portfolio, non-conforming, conventional, government, sub-prime, private banking, wealth management and commercial loan products. As a risk professional, Michelle understands that risk is a necessary part of any success story.
Greg Adelman
Portfolio Development Manager
(619) 293-7770 x207 Email Greg
Greg has 20+ years of mortgage experience and will provide a quick response to any enquiry regarding a potential loan by The Loan Company. “It isn’t just about providing a loan, it is about doing what makes the best sense for the client’s success and meeting the requirements of our company.”
- Step 1: Request Loan
- Step 2: Structure Loan
- Step 3: Documentation
- Step 4: Underwrite Loan
- Step 5: Close Loan
- OUR APPLICATION PROCESS IS FAST
Contact one of our underwriters and submit your completed Personal Financial Statement.
Greg Adelman
Portfolio Development Manager
We request only common sense information necessary to support your ability to repay the loan, including:
- Pertinent property information, including digital photos
- Personal Financial Statement with real estate schedule
- Personal tax returns for the previous two years
- Borrower Credit Score
- If the borrower is a corporation, an LLC, or a partnership, the entity documents and necessary financial statements and tax returns will be required. Typically we require personal guarantees.
Once all information is collected, our due diligence and underwriting are completed for final approval. If approved we move to the final step.
Schedule loan documents for signing and provide executed documents to title and escrow. Loan will be funded upon approval from title & escrow.
Michelle McGuire Richardson
President
(619) 293-7770 x204
Email Michelle
Michelle brings 30+ years of banking, lending, operations and leadership experience to The Loan Company. Her lending experience spans non-QM, portfolio, non-conforming, conventional, government, sub-prime, private banking, wealth management and commercial loan products. As a risk professional, Michelle understands that risk is a necessary part of any success story.
Greg Adelman
Portfolio Development Manager
(619) 293-7770 x207
Email Greg
Greg has 20+ years of mortgage experience and will provide a quick response to any enquiry regarding a potential loan by The Loan Company. “It isn’t just about providing a loan, it is about doing what makes the best sense for the client’s success and meeting the requirements of our company.”
Borrower Documents:
- Personal Financial Statement
- Latest two years’ Federal tax returns
- Copy of Driver’s License or other identification
Property
Collateral Types
The Loan Company allows most income-producing commercial or residential investment properties as security for a loan. These include but are not limited to:
- Apartment
- Auto Body Repair
- Car Wash
- Convenience Stores
- Hospitality Hotel/Motel
- Improved Land (Income Producing)
- Industrial
- Liquor Stores/Taverns
- Medical Office
- Mixed-use
- Mobile Home Parks
- Multifamily
- New Residential Development
- Non-Owner Occupied (1-4 Residential Units)
- Office Buildings
- Owner Occupied (Commercial)
- Pawn Shops
- Research & Development
- Restaurants
- Self-Storage Facilities
- Single Family Residence (Non-Owner Occupied)
- Single Tenant Properties
- Special Purpose Properties
- Warehouse