Loans to
Commercial Property

Location:Martinez, CA
Funded:$545,000
Private Loan Type:Commercial Property Loan

Commercial Property Loans

Deal Highlights:

  • Property owned by an LLC

  • Borrower was able to tap into the equity of their free-and-clear property to cover the design-build costs of an Accessory Dwelling Unit (ADU)

  • Long-term financing will be secured once the construction is completed

Deal Summary:

Our borrower wanted funds to cover the expense of building an Accessory Dwelling Unit (ADU) on their free-and-clear property that was held in an LLC.

For reasons outside our purview the managing members of the LLC did not want to take the property out of the LLC to secure traditional financing, so they enlisted our help to provide capital to get the job done.

We reviewed the LLC documentation, confirmed legal vesting, and closed on our real estate loan within 10 days. This enabled them to get started with the construction immediately and complete the works within the summer months.

Deal Details:

  • Property Type – Single-Family

  • Lien Position – First Mortgage

  • Loan-to-Value – 30%

  • Loan Term – 12 months

More Deals by HCS Equity

HCS Equity is a private money lender based in Carmel, California, specialized in loans for trust & estate property.

  • trust-loan-for-sibling-buyout-north-hills-ca

Trust Equalization

July 18th, 2025|Comments Off on Trust Equalization

$391K trust loan in North Hills used for trust equalization, allowing one sibling to keep the family home and preserve its low tax base under Prop 19.

  • reverse-mortgage-payoff-in-winter-ca

Reverse Mortgage Payoff

July 11th, 2025|Comments Off on Reverse Mortgage Payoff

$125K loan in Winter, CA paid off a reverse mortgage, preventing foreclosure and giving heirs time to prepare and sell their late father’s home.

  • probate-loan-in-san-jose

Sibling Buyout – Probate

July 4th, 2025|Comments Off on Sibling Buyout – Probate

HCS Equity funded a $669K probate loan in San Jose, enabling a sibling buyout and preserving property tax benefits under Prop 19.

Looking To Get Started?

Contact us today for more information regarding any of our loan products. As direct lenders, we make quick approval decisions, and can provide funding in as little as 7-10 days. We are available via phone or email anytime of the day or night.