Trilion Capital

About Trilion Capital

Based in San Diego, CA, Trilion Capital is a private lender offering loans throughout San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County, Imperial County, and Ventura County. They provide lending solutions for many different situations and needs, including construction loans, commercial loans, loans for rental properties, fix and flip hard money loans, hard money refinancing, and hard money bridge loans. Their loan parameters are flexible, including terms between 3 months and 1 year and loan amounts ranging from $100,000 to $2,500,000. They will make loans on all of the following types of properties: single family units, multi family, mixed use spaces, retail units, office units, and industrial facilities.

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

Property Types Covered: Single Family, Multi Family, Mixed Use, Retail, Office, Industrial

Areas Served: San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County, Imperial County, Ventura County

Licenses: CFLL NO. 60DBO-45616, CalBRE Broker License NO. 01894927

Lending Guidelines for Trilion Capital

Below are the general loan guidelines published on the Trilion Capital 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 Trilion Capital.

Loan Example 1

Trilion Capital makes a fix-and-flip loan to Carl for a renovation project in Los Angeles, CA, on a property that costs $350,000. The borrower will have to bring 15% of the purchase price in cash to the closing based on a 85% loan to value set by the lending company. This makes the loan principle from Trilion Capital $297,500. The interest rate on the loan is 10% for a term of 6 months and the company requires a four point origination fee at the closing. The interest is to be paid monthly and the principle amount will be paid back after the sale of the property.

Accordingly, the borrower will have to contribute a $52,500 down payment plus pay a $11,900 origination fee. Once the loan is closed and Carl takes the project, he will begin making payments each month of $2,479 to Trilion Capital ($297,500 principle x 10% / 12 months). Carl's plan is to complete the rehab by the end of the 6 months and sell it for $420,000. If he succeeds he will make a profit of $43,225 ($420,000 sales price - $297,500 principle - $52,500 down payment - $11,900 origination fee - $14,875 in total interest.

Loan Example 2

Trilion Capital makes a hard money loan to Andre for a rehab project in Los Angeles, CA. The loan includes the following:

$250,000 purchase price
65% loan to value (LTV)
18 month term
9% rate of interest
3% origination fee

Andre plans to sell the property at the end of the term for $325,000. If he succeeds, the deal numbers would be the following:

$325,000 sales price
- $162,500 principle on note (65% LTV)
- $87,500 down payment (35% on 65% LTV)
- $4,875 origination fee (3% of the $162,500 principle amount)
- $21,938 total interest paid (18 months x 9% interest)
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= $48,188 gross profit (doesn't include taxes or renovation costs)

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