Questions, answered.

We can close loans in as few as 7 business days from completed application. Our streamlined underwriting and direct lending model eliminate committee approvals and bureaucratic delays.

We offer Fix & Flip loans, Bridge loans, Ground-Up Construction financing, Cash-Out Refinance, Probate & Estate loans, Foreclosure & Bankruptcy Recovery loans, Self-Employed Solutions, and ADU Construction loans across California.

Rates start at 8.50% and vary by program and risk profile. Fix & Flip, Bridge, Cash-Out Refinance, and Self-Employed loans start from 9.99%; Ground-Up Construction and Probate & Estate loans from 10.99%; Foreclosure & Bankruptcy Recovery from 11.99%. ADU construction loans range from 9.5% to 11%.

Our loan amounts range from $50,000 to $5,000,000 depending on the program. ADU construction loans range from $60,000 to $300,000 per unit.

We are an asset-based lender, meaning we focus primarily on the property and deal structure rather than credit scores. We specialize in scenarios where borrowers may not meet conventional credit requirements, including post-bankruptcy and foreclosure situations.

Yes. We offer bank statement programs and simplified documentation for self-employed borrowers and business owners who don't fit conventional income documentation requirements. No tax returns required.

Yes. We offer ADU construction loans with 75-85% loan-to-cost, rates from 9.5-11%, 12-18 month terms, and milestone-based draws. We specialize in detached ADUs, garage conversions, attached ADUs, and junior ADUs across Los Angeles and Orange County.

A trust deed investment is a loan you make to a real estate borrower, secured by a recorded first-position lien on their property. CDF originates and underwrites the loan, then presents it to you with full deal details. If you fund the deal, a first trust deed is recorded in your name at the county recorder's office. You earn monthly interest for the life of the loan, and your principal is returned through escrow when the borrower pays off.

Accredited investors in our whole-note, first trust deed positions earn monthly interest with yields between 8.95% and 10.95%, secured by California real estate at conservative loan-to-value ratios.

CDF offers whole-note investments, meaning you fund the entire loan. There are no fractional pools or participation certificates. Loan amounts typically range from $100,000 to $5,000,000, so the minimum investment corresponds to the size of the individual loan opportunity.

Yes. Trust deed investments work with self-directed IRAs (through custodians like Forge Trust, Provident Trust Group, or The Entrust Group), Solo 401(k) plans, living trusts, family trusts, LLCs, and corporations. CDF coordinates directly with your custodian or plan administrator for funding and payoff.

Every investment is secured by a recorded first trust deed — the senior lien position on the property. This is the same security instrument a bank holds on a mortgage. In addition, every loan includes an independent appraisal, title insurance, borrower personal guarantees, and escrow-managed disbursements.

CDF offers direct investment: you review each loan individually, choose which to fund, and hold the recorded deed of trust in your name (or entity). There are no blind pools, no management fees, no lock-up periods, and no platform intermediary. You own the actual note, not a fund share or participation certificate.

Capital Direct Funding is a direct private lender. Because we lend our own and our investors' capital, there are no committee approvals or bureaucratic delays — you work directly with the decision-makers.

We fund loans throughout the state of California, with particular expertise in Los Angeles County, Orange County, San Bernardino County, Riverside County, and San Diego County.

Our office is located at 100 N Citrus St, Suite 530, West Covina, CA 91791. We are licensed under California DRE# 01885595 and NMLS# 1159831.