For Investors

AltaCal Capital is a private commercial real estate lender in The San Francisco Bay Area.

We’re a small, specialized lender offering above market returns on secured assets.

With over 40 years of combined experience in all phases of commercial real estate—including property management, brokerage, development and lending—our principals are uniquely suited to make loans that are both sensible and secure. We know our product, and we understand the underlying real estate. We don’t make a lot of loans; we pursue quality opportunities and pass on the rest.

We believe in our product. We are investors just like you.

Unlike most loan brokers, we invest in our loan portfolio along with our clients. When you invest with AltaCal, you are truly investing with us. We fund the loan, we service the debt, we manage the paperwork and we interact with the borrower. We are in this business to invest in loans, and we deploy our money alongside yours—together we all profit.

Our lending approach is based on value

Lenders use a lot of metrics to evaluate a loan. We focus on one key element: What is the property really worth? A loan backed by a secured assets is only as good as the asset itself. We carefully underwrite each loan as if we were going to own that asset, and we ask ourselves, “Would we buy the property for the amount of this loan?” If the answer is no, then we pass on the deal.

We do not fear loan defaults.

We do our best to make sure every loan we make is repaid on time—every time. But defaults do happen. While most lenders panic, AltaCal is prepared for all outcomes.

We evaluate the underlying asset carefully, and price our loans responsibly. In the event of default, the value is still there, it just needs to be recovered. We have the experience and tools to maximize a property’s equity and recover the investment.

Our loans are an ideal place to park short-term money.

Investment features of our loans:

  • 12- to 18-month commitment
  • 8 to 10% returns are typical
  • Loans are backed by real assets that are worth more than the amount invested
  • We handle all the underwriting, paperwork and collections
  • You receive a monthly check

Additionally, you don’t need to buy in for the entire loan amount. We enable investors to pool their money, allowing for both a smaller minimum commitments and a diversified loan portfolio.

Quick Facts:

  • We only lend on commercial properties.
  • We lend on office, R&D, industrial, retail and multifamily projects, primarily in the SF Bay area—product types with which we have extensive experience.
  • We target loan sizes of $500,000 to $10mm, and we encourage investors of all sizes to participate. We can pool multiple smaller investors to meet larger requirements.
  • Our loans are short term in nature, usually 12-18 months.
  • Our backgrounds include commercial property management, brokerage, loan servicing, special assets, development, sales and leasing.

For more information, or to request a consultation, please contact us here:


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What if the economy declines, and the market collapses?