Lending Philosophy

Need a Fast Loan? (Funding possible in 2 weeks or less)

Need a Bridge or Creative Loan?

Owens Financial provides borrowers two very critical services:

Fast Loans. Our entire lending operation is structured to make decisions quickly and fund much faster than other commercial lenders. If you need to fund quickly to save your deal, or your lender has failed to close your loan, we can help.

Owens Financial comes to the rescue by routinely funding in 2 weeks or less. If the situation demands it, we can review your property information, make decisions, prepare loan documents and fund the loan in less time than it takes many lenders to respond to your request. Funding can actually take place in as little as 48 hours in an emergency.

Bridge or Creative Loans. We are able to fund many deals that other lenders will not. We are proud of our record of providing bridge and creative loans to help borrowers acquire or improve properties with special challenges.

We try hard to find creative ways to help borrowers complete tough deals. If we like the property and your development plan, we will work with you to create a loan specific to your needs.

Our loans are tailored to the needs of the borrower. We offer extremely fast funding of loans from $500,000 to $25,000,000 on properties nationwide (minimum $1,000,000 outside California). Terms and repayment structure are flexible and negotiable. We can structure your loan to meet your needs with no pre-payment penalty.

Owens Financial makes commercial loans for the following purposes:
Property Purchase, Remodeling, Bridge Financing, Property Improvement/Refurbishing, Construction, Short Term Development, Partner or Lease Buyout, Quick Closing Transactions and More.

Benefits of choosing Owens Financial

Rapid Response

Verbal rate and loan quotes provided in 2 working days or less, based on information you provide.

Commitment

For over 50 years Owens Financial has built a solid reputation based upon keeping our commitments. WE DO WHAT WE SAY WE WILL DO, EVERY TIME.

Immediate Follow-Up

Loan Committee decision within one day of complete loan package.

Documentation

No non-essential documentation.

Quick Closing

Deals can close within a few days of Loan Committee approval. We routinely fund loans in two weeks or less.

Customized Terms

We try and make deals work for all parties. We offer interest only or amortized loans; the ability to finance loan fees and interest carry; cash out to borrower; partial collateral releases; and typically no prepayment penalty.

Low 3rd Party Costs

We accept existing current environmental, seismic and appraisal reports.

No Bureaucracy

Borrowers and their representatives deal directly with the source of funds. No hidden Loan Committee delays. No surprises.

Professionals

We have been making commercial loans since 1951. We will analyze your situation and give you YES or NO quickly.

Loans are made pursuant to a Department of Corporations California Finance Lender's License.