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Flexible Repayment is Key

As a direct lender, First Financial Capital is not constrained by many of the limitations that banks abide by when considering candidates for commercial real estate financing in Los Angeles. We pride ourselves on the ability to be flexible both in approving candidates for loans, and laying out the terms of these loans. Here are several examples of that flexibility at work:

  • No Prepayment Penalties – Many borrowers can feel uneasy entering into a multi-year repayment plan because they do not want to be locked into future payments. This is one of the reasons why First Financial Capital does not charge borrowers any pre-payment penalties if they wish to pay the loans back early.
  • One to Three Year Loan Terms – When negotiating the terms of the loan, borrowers can choose between payback periods the range between one to three years. Especially when borrowers need out of the box financing solutions such as bridge loans in Los Angeles, the option to have a flexible, yet consistently short-term payback period can be especially useful.
  • Interest Only for One Year – Often, when borrowers need vacant building financing in Los Angeles, much of their leftover capital in the short-term is devoted to developing that property in order to expand their business. This temporary need for reduced payments is one of the considerations we take into account when giving our borrowers the options of making payments on only the interest for the first year. (Broker license number: CA DRE 01523939)
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