Partner With Us

---

At Novato Funding, we're not looking to be every lender to every real estate professional. We seek to build strong, mutually successful partnerships. Our ideal borrower isn't just looking for hard money loans ; they're looking for a knowledgeable, decisive, and reliable financial partner who understands the intricacies of their ventures and can help them achieve their goals.

"Novato Funding offers a quick, no-nonsense path to hard money loans which is exactly what my client needed. Beyond that, I knew the personalities... would mesh well together. The experts at Novato Funding have a deep understanding of private real estate loans ... but are also approachable and responsive, which is a rare combination... The referral and closing process with Novato Funding was flawless... make an introduction one week and without lifting a finger, you hear about the closing a few weeks later. Novato Funding would be my first call for any private lending needs."

– Jordan L.

An Experienced Real Estate Professional:

• Possesses a verifiable track record of successfully completing non-owner occupied residential real estate projects.
• Typically has minimum 3 years and $2 million+ in project experience, understanding the full project lifecycle.
• Is financially sound (good credit, typically 700+; documented liquidity).
• Operates professionally, often through a formal business entity.

Seeking Specialized Financing for Clear Opportunities in :

• Project involves non-owner occupied 1-4 unit residential properties in desirable, proven locations.
• Needs short-term, asset-backed hard money loans (typically $200,000 - $1,000,000) for acquisition, renovation, expansion, new construction, or bridge funding.
• Demonstrates significant commitment via personal equity in the project, aligning with our structure (loans generally not exceeding 70% LTV/ARV).
• Articulates a clear and commercially viable exit strategy (sale or refinance).

Values More Than Just the Lowest Rate:

• Understands the limitations of traditional banks for their entrepreneurial needs.
• Prioritizes a lender's speed, certainty of closing, and deep real estate expertise.
• Appreciates transparency in terms/fees and clear, responsive communication.

Looking for a True Partner, Not Just a Transaction:

• Values working with a lender who has decades of hands-on experience as an operator and borrower.
• Is open to a collaborative relationship where the lender offers insights and creative solutions (our "VC-like support").
• Is professional, communicative, and operates with integrity.

• Time-Sensitive Opportunities and hard money loans : When speed and certainty are paramount.
• "Story" Deals or Unique Circumstances: Projects with complexities needing deep real estate acumen.
• Need for Certainty from a Direct Lender: We use our own capital and make decisions decisively.
• Value-Add Projects: Renovations/construction where understanding budgets and ARV is critical.
• Experienced Operators Seeking a Sophisticated Financial Partner.