A Real Estate Capital Platform

Capital, from first homes to flagship hotels.

PrimeCap Capital is a real-estate-focused capital platform with divisions dedicated to residential mortgages, commercial loans, and property ownership. We help homeowners, investors, and sponsors unlock equity, stabilize assets, and grow their portfolios.

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Our Clients

Who we're built for

Homeowners & First-Time Buyers

Conventional, first-time buyer, jumbo, and HELOC options designed around your real life—not just a credit box.

Real Estate Investors & Operators

1–4 units, multifamily, self-storage, and mixed-use projects—from value-add to long-term holds.

Business Owners & Sponsors

SBA, owner-user properties, expiring CMBS debt, hotels, land, and small/large commercial.

Capital Partners & Lenders

Work with a sponsor who understands underwriting, collateral, and exit strategies because we build and own projects ourselves.

Our Products

What we do

From a first home to a ground-up project, we cover the major pieces of the capital stack.

PrimeCap Mortgage

Residential

Conventional Loans – Purchases and refinances for primary, second, and investment homes
First-Time Homebuyer – Lower down payment options with credits or assistance where available
Jumbo Loans – Higher-balance mortgages for move-up and luxury properties
HELOCs & Seconds – Access equity without refinancing your low first-mortgage rate
DSCR Loans – Rental income-based qualification rather than borrower income

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PrimeCap Commercial

Commercial & Investment

Investor 1–4 Units – Purchase, rate/term, and cash-out for rental portfolios
5+ Units & Commercial – Multifamily, office, retail, industrial, special-use
Hotels & Self-Storage – Boutique hospitality and storage with operator perspective
SBA & Owner-User – SBA structures for business owners occupying their building
Expiring CMBS – Exit strategies for maturing loans where flexibility matters
Land & Entitlement – Select deals with clear path to development
Fix & Flip – From 5% down, 100% construction, close in as fast as 5 days

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PrimeCap Properties

Construction & Development

Horizontal & Vertical – Subdivisions, infill, and vertical development on a case-by-case basis
Value-Add & Heavy Rehab – Capital for repositioning tired buildings into stabilized assets
Bridge-to-Construction – Transitional financing that lines up with your build-out plans
Bridge-to-Perm – Seamless path from construction to permanent take-out financing

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Why PrimeCap

We're not just lenders—we're builders, owners, and operators who understand every stage of the real estate lifecycle.

Full Life-Cycle View

We understand dirt, horizontal, vertical, lease-up, and take-out financing—so we can design a path from land or acquisition all the way to stabilization or sale.
Operator Perspective

Because we build and own projects ourselves, we understand the real challenges you face—not just the spreadsheet version.
Speed & Flexibility

Close in days when needed. Structure deals that make sense for your timeline and business plan, not ours.
Relationship-First

We're building long-term partnerships, not processing transactions. Your success is our success.

60+

Properties Completed

15+

Years Experience

Day Closings

Capital Divisions

Frequently Asked Questions

Common questions about our lending programs and how we work with clients.

Have another question?

No. While we do a lot of HELOC and investor work, we also finance conventional and jumbo home loans, SBA and owner-user properties, land, self-storage, hotels, and both small and large commercial assets.

Yes. We specifically look at expiring CMBS loans and other balloon maturities, and help you think through refi, recapitalization, or sale options.

For fix & flip and bridge loans, we can close in as fast as 5 days. Conventional residential typically takes 21-30 days. Commercial timelines vary by deal complexity, but we move as fast as the situation requires.

We're based in Sacramento and work primarily throughout California, though we can accommodate select deals in other states depending on the product and relationship.

We're operators first. We've built and owned over 60 properties ourselves, so we understand the real-world challenges you face. We're not just processing paperwork—we're structuring solutions that actually work for your business plan.