$250K–$2.5M
(exceptions case by case)
(exceptions case by case)
Wholesale Private Bridge Capital for California Real Estate
Direct decisions. Committed Capital.
Built for Brokers.
$250K–$2.5M
Up to 70% LTV / 65% CLTV
1st & 2nd position
California only
10–14 day close
01 · What we fund
Loan Size
Position
Leverage
Geography
Term
Purpose
Property Types
Wholesale capital, built for brokers.
White Oak Bridge Capital funds business-purpose bridge loans across California — 1st and 2nd position, $250K to $2.5M. We give real estate brokers the pricing and execution to win more deals for their borrowers. Our wholesale rate stack includes par pricing, so you choose where to price each deal and structure your own compensation with full transparency. Rate sheets are available to licensed real estate brokers on request.
1st & 2nd
Up to 70% LTV (1st)
65% CLTV (2nd)
65% CLTV (2nd)
California only
12–60 months
Acquisition · Refinance · Cash-Out · Business purpose only
SFR · 2–4 Unit · Multifamily · Mixed-Use · Commercial · Industrial · Land
02 · How we work
From scenario to funded in two weeks or less.
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Submit a Scenario
Broker submits the deal. We review every scenario personally and respond within 24 hours.
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Quote
If it fits our box, we issue a soft quote — rate, points, and terms — so you can take it back to your borrower.
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Pre-Underwriting
Broker submits supporting documentation. We review the file, value, and exit before committing to terms.
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Term Sheet
Once the file checks out, we issue a full term sheet for signature.
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In-House Underwriting
We underwrite every file in-house — asset, exit, and the borrower's capacity to service the loan — with no outside committee.
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Close & Fund
From signed term sheet to funded in 10–14 days on average.
03 · Bridge basics
New to bridge lending? Here's how it works.
Bridge capital is short-term, asset-based real estate financing — secured by the property and driven by the exit, not the borrower's tax returns. It bridges the gap between a borrower's immediate need and their longer-term exit: a sale, a refinance, or stabilized cash flow. Terms are short (12–60 months) and funding is fast.
Time-Sensitive Acquisitions
Closing on an investment property faster than a bank can move, including auction and off-market purchases.
Cash-Out for Improvements
Pulling equity to renovate, reposition, or stabilize an asset before a sale or refinance.
Business-Purpose Capital
Using real estate equity to fund business expansion, new opportunities, or working capital.
Bridge to Refinance or Sale
Carrying a property until it stabilizes, qualifies for permanent financing, or sells.
Whether you've placed dozens of private-money loans or this is your first, we make it simple. We help you size the deal, structure it, and price it from our wholesale rate stack — and we tell you quickly and honestly whether it's a fit. Experienced brokers get speed and certainty; newer brokers get a partner who walks them through it.
04 · Built for brokers
We help you close the deals that matter.
Brokers work with White Oak because we make them look good to their borrowers — competitive wholesale pricing, real underwriting judgment, and the certainty of execution. We give brokers the tools and pricing flexibility to win and keep their clients.
Pricing Flexibility You Control
Our wholesale rate stack includes par pricing, so you decide how to structure rate and compensation on every deal, with nothing baked in against you.
Your Client Stays Yours
We operate wholesale only and never solicit, contact, or cross-sell your borrower. The relationship is yours.
Execution You Can Count On
In-house underwriting, common-sense judgment, and fast, certain closings — so the deals you bring us get done.
05 · Who we are
Institutional depth behind every deal.
White Oak is led by principals with 50 years of combined real estate lending and investment experience. Over their careers they have funded more than $2.15 billion through mortgage banking and brokerage operations, and $350 million through private money lending operations across commercial and residential real estate. We've placed capital across cycles, structured the difficult deals, and built the relationships that let us move quickly and close with certainty — so the brokers who work with us can do the same for their borrowers.
50 years
combined real estate lending and investment experience
$2.15B
funded through mortgage banking & brokerage operations
$350M
funded through private money lending operations
06 · Rates
Wholesale pricing for licensed brokers.
Our current rate sheet — including par pricing — is available to licensed California real estate brokers. Request the latest sheet and we'll send it right over.
07 · Work with us
Let's work together.
White Oak Bridge Capital partners with licensed California real estate brokers to fund business-purpose bridge loans. If you have a deal or a borrower we can help with, start a scenario or begin onboarding — we'll take it from there.