Private Lender San Diego
Direct 2nd trust deed financing from California's top-rated private lender. No appraisal. No committee. One decision-maker. Close in 7–10 days.
Get Funded TodayWhat is a Private Lender in San Diego?
A private lender in San Diego is an alternative funding source for property owners who need capital quickly and can't qualify through traditional banks. Private money lenders like EZ Loans provide direct, personal financing based on property equity rather than credit scores or lengthy approval processes. We specialize in second trust deeds—senior liens against your San Diego County property.
Unlike banks that rely on committees and appraisals, a private lender San Diego operates with speed and flexibility. Erik Egelko, our founder and principal decision-maker, personally evaluates every loan. With over $150M in commercial real estate transactions and broker expertise, Erik understands San Diego property markets intimately and makes funding decisions in days, not months.
Private lending fills a critical gap. Whether you're a business owner bridging working capital, an investor purchasing a rental property, or a homeowner accessing equity for renovation, EZ Loans delivers the capital you need without bank bureaucracy.
Why Choose a Private Lender in San Diego?
Speed
Traditional banks take 30–60 days. EZ Loans closes in 7–10 days with one decision-maker and minimal paperwork.
Flexibility
No cookie-cutter underwriting. We evaluate your situation holistically and customize loan terms to fit your needs.
Equity-Based
We focus on property value and your equity position, not credit scores or employment history.
Transparent Pricing
No hidden fees. Our rates and terms are discussed upfront—no surprises at closing.
No Appraisals Required
We use market analysis and property research to determine loan amounts, saving you time and money.
San Diego Expertise
Erik's deep roots in San Diego real estate mean we understand local market trends and property values.
How EZ Loans Differs from Other Private Lenders
Direct Lender. No Middleman.
EZ Loans is a direct private lender—not a broker matching you with outside funds. We directly fund every loan from our capital. This means:
- One decision-maker: Erik personally reviews and approves your loan. No committee delays.
- No broker markups: You deal directly with us. No hidden fees passed down from intermediaries.
- Faster decisions: Direct funding eliminates back-and-forth negotiations with third-party lenders.
- Personal accountability: Erik stands behind every loan and remains your contact throughout.
Erik Egelko's Track Record
EZ Loans is backed by Erik Egelko, a top-tier commercial real estate broker with:
- Over $150M in transactions closed
- Top-producing CRE investment sales agent
- Deep roots in San Diego real estate
- Deep knowledge of property markets and lending
This expertise translates to smarter underwriting, faster decisions, and loans that work for real San Diego property owners.
Types of Properties We Finance
As a private lender San Diego, we work with diverse property types and situations:
Investment Properties
Rental homes, multi-unit complexes, and commercial properties generating cash flow. We lend on stabilized and value-add investments.
Owner-Occupied Residential
Primary residences where you need quick capital. Perfect for renovations, business funding, or accessing equity fast.
Commercial Real Estate
Office, retail, industrial, and mixed-use properties across San Diego County. We understand commercial value-add scenarios.
Land and Development
Raw land, development projects, and properties in transition. We evaluate development potential and market demand.
Common Scenarios Private Lending Solves
Business Purpose Loans
Need working capital fast? Access your home's equity without lengthy bank approvals. Close in 7–10 days and deploy capital immediately.
Bridge Financing
Buying a new property before your current home sells? We bridge the gap with quick, flexible funding while you wait for your sale to close.
Investment Property Purchase
Found a rental deal but can't access traditional financing fast enough? Our private lending closes quickly so you don't lose the deal.
Property Renovation & Rehab
Upgrading your home or investment property? Access renovation capital through your equity. No appraisal, no committee.
Credit Challenged
Recent credit issues? We focus on property value and equity, not credit scores. If you have sufficient equity, we can fund you.
Time-Sensitive Opportunities
When a deal or opportunity has a deadline, our fast close ensures you don't miss it. Capital deployed in days, not months.
How EZ Loans Works
Loan amounts, rates, and terms are discussed on a case-by-case basis. Call Erik directly to discuss your situation.
Why San Diego Property Owners Trust EZ Loans
Regulatory Compliance
NMLS #2543934 — EZ Loans is a properly licensed subsidiary of Egelko Enterprises. We operate with full transparency and regulatory oversight.
Personal Attention
You work directly with Erik Egelko—a top-producing CRE investment sales agent. Your loan receives expert underwriting from someone with $150M+ in transaction experience.
Transparent Pricing
No surprises. Our rates, terms, and fees are clearly stated upfront. No hidden costs, no surprise charges at closing.
San Diego Market Expertise
We understand San Diego County real estate intimately—from Coronado to North County, coastal to inland markets. We know property values.
Frequently Asked Questions About Private Lending in San Diego
A second trust deed is a loan secured by your property that sits in second lien position (after a first mortgage). As a private lender, EZ Loans provides senior liens against your San Diego property. The second trust deed uses your home's equity as collateral, allowing you to access capital without refinancing your primary mortgage.
EZ Loans closes in 7–10 days. Once you submit your application and property information, Erik personally reviews your loan within 24–48 hours. Unlike traditional banks requiring 30–60 days with multiple committees, we have one decision-maker who can approve and fund quickly. If you're approved, you could have capital in your account within a week.
No. As a private lender San Diego, we don't require formal appraisals. Instead, we use market analysis, comparable sales data, and property research to determine loan amounts and LTV (loan-to-value). This saves you time and money compared to traditional lenders and speeds up the approval process significantly.
Private lending doesn't have strict credit score minimums. We focus on property equity and value, not credit history. If you have sufficient equity in your San Diego property, we can likely fund you even with recent credit challenges. We evaluate your overall situation rather than using rigid credit cutoffs.
Absolutely not. EZ Loans has no hidden costs. Our rates and terms are transparent and discussed upfront before you commit. You'll know exactly what you're paying before you close. This is one of the key advantages of working with a direct private lender rather than a broker.
Ready to Access Your Equity?
Stop waiting for bank approvals. Get funded in 7–10 days with EZ Loans' direct private lending in San Diego.
NMLS #2543934 · Subsidiary of Egelko Enterprises · Licensed Private Lender