PSG Capital Partners

About PSG Capital Partners

Headquartered in San Juan Capistrano, CA, PSG Capital Partners is a private lender offering loans in California. They offer investment property loans, hard money loans for commercial properties, fix and flip hard money loans, and private refinancing. They offer rates ranging between 9.5% and 11.95%, terms between 6 months and 36 months, and loan amounts ranging from $50,000 to $5,000,000 with a maximum LTV of 60%. They will make loans on many property types, including single family residences, multi-family units, apartments, office buildings, retail spaces, hotels/motels, storage facilities, assisted living communities, mixed use, undeveloped land, churches, warehouses, and industrial buildings.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Land, Church, Warehouse, Industrial

Areas Served: CA

Licenses: BRE #01920880, NMLS #1050587, BRE #01300657, NMLS #338896

Lending Guidelines for PSG Capital Partners

Below are the general loan guidelines published on the PSG Capital Partners website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by PSG Capital Partners.

Loan Example 1

PSG Capital Partners issues a fix and flip loan to Ursula for a renovation project in Los Angeles, CA, on a house that costs $310,000. The borrower will need to bring 40% of the purchase price in cash to closing based on a 60% loan-to-value set by the lending company. This makes the loan principle from PSG Capital Partners $186,000. The parameters of the loan dictate a 9% note for 18 months. They also stipulate a 4 point origination fee, that will also be paid upon closing.

On top of the $7,440 origination fee, Ursula will also need to fund $124,000 of the purchase with her own money, or 40% of the purchase price. Once the deal is closed and Ursula takes the property, she will begin making monthly payments of $1,395 to PSG Capital Partners ($186,000 principle x 9% / 12 months). If Ursula achieves her goal of a $449,500 total sales price when the loan term expires, she would earn a total profit of $106,950 after re-paying the principle on the note and deducting the cash she contributed at closing, the origination fee, and the monthly interest payments.

Loan Example 2

Bob takes a hard money loan from PSG Capital Partners so he can renovate a property to re-sell in Los Angeles, CA. The deal has the following parameters:

$210,000 purchase price
80% loan to value (LTV)
6 month term
8% rate of interest
4% origination fee

If Bob accomplishes his goal of a $252,000 sales price, the numbers of the deal will be the following:

$252,000 sales price
- $168,000 note principle (80% LTV)
- $42,000 down payment (20% on 80% LTV)
- $6,720 origination points (4% of the $168,000 principle)
- $6,720 interest payments (6 months x 8% interest)
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= $28,560 gross profit (doesn't include taxes or rehab costs)

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