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Lone Oak

California's Bridge Lender

With offices in Los Angeles and San Francisco, Loan Oak is a direct bridge lender for California investment properties since 2003.

Our loans are non-recourse and we offer some of the most competitive rates in the industry, with loans from $1 million up to $25 million available.

We lend in first position for all commercial and residential non-owner occupied properties.

Over $6 billion funded

Over $1 billion in capital

LTV up to 60%

Rates start at 5.9%

No prepayment penalty

No 3rd party appraisal required

Lending Guidelines

$1m - $25m
5.9% - 7.9%
Origination Fee
0.5% to 2%
Term Length
1 to 24 months

Loan & Property Types

Loan Types
  • Refinance
  • Cash-out
  • Investment Property
  • Purchase
  • Property Types
  • Mixed Use
  • 2 to 4 units
  • Multi-Family
  • Condominium
  • Single-Family
  • Industrial
  • Office
  • Retail
  • Non-Owner Occupied Residential
  • Entitled Land
  • Loan Parameters & Fees

    Credit check required

    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

    Areas Served

    Lone Oak

    11611 San Vicente Blvd., Suite 640
    Los Angeles, California
    Year Established
    Number of Employees
    11 to 50
    We Work With
    Borrowers, Brokers
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    EmpireFunders, 2093 Philadelphia Pike #7979, Claymont, Delaware, 19703