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Payette Financial Lending

Summary of all Guidelines

Loan Types Bridge Loan, Hard Money Loan
Property Types Assisted Living, Bar, Gas Station, Hotel, Land Entitled, Mixed use, Mobile Home Park, Motel, Multi Family, Office, Restaurant, Retail, Self-Storage, SFR, Shopping Center, Warehouse
Lendding Area arizona, colorado, idaho, montana, nebraska, nevada, new-mexico, north-dakota, oregon, south-dakota, utah, washington, wyoming
Loan amount Minimum $50,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 9%
Interest Rate Maximum 13%
Points Minimum 1st TD 1
Points Maximum 1st TD 5
Terms 2 years, 3 years
Interest Only or Amortized Interest Only
Prepayment Penalty None
LTV Bridge 70
Intended Occupancy Non-Owner

Payette Financial is a direct hard money lender specializing in financing difficult transactions that conventional lenders avoid. We also buy performing and non-performing commercial loans from third parties. We offer funds to borrowers in Idaho, Arizona, Colorado, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming (and possibly other states) in need of immediate capital.

We can provide money in as little as 10 days and will lend against almost any type of commercial property including: undeveloped and developed land parcels, commercial, industrial, retail, mixed-use, warehouse, self-storage, shopping centers, hotels, office and multifamily (must be five or more units). See commercial real estate loans to learn more. We do not make residential home loans.

If you are currently involved or have been involved with a bankruptcy or foreclosure, Payette Financial is the lender for you. We can fund most types of real estate transactions including purchase, refinance, foreclosure and land development. We will consider construction financing on a case by case basis.

Payette Financial’s Loan Terms are flexible and tailored to each borrower’s specific situation. We offer loans as small as $25,000 up to $2,500,000. Our interest rates and loan terms are competitive. We work directly with our borrowers to tailor our loan to their needs. Poor credit is no problem. Our loan underwriting is based on the collateral pledged as security for the loan, not your credit score. See our on-line application to obtain a free quote.

Brokers: We cooperate with brokers and will protect your commission. If you have a borrower that doesn’t qualify for a conventional loan, but has real estate collateral to secure a loan, please call us to see how we can meet your client’s needs.

Payette Financial Lending is located in Boise, ID. They offer financing for Bridge Loans and Hard Money Loans. The property type they primarily lend against is SFR, Assisted Living, Bar, Multi Family, Office, Retail, Mixed use, Gas Station, Motel, Hotel, Land Entitled, Mobile Home Park, Restaurant, Self-Storage, Shopping Center and Warehouse. Their minimum loan amount is $50,000. Their maximum loan amount is $1,500,000. They offer loans for a minimum Term of 1 year. Maximum duration of 2 years;3 years. Although rates can change they are typically lending at a minimum rate of 9%. Maximum interest rate of 13%. Points charged are deal specific, but historically have charged a minimum of 1. Maximum points charged are 5.

These descriptions are limited information and meant for general reference purposes.
202 N. 9th Street, Suite 300