Socotra Capital

Hard Money Loan
Property Types	2-4 Units, Assisted Living, Automotive, Bar, Cannabis Related, Car Wash, Church, Condo, Daycare, Entertainment Venue, Funeral Home, Gas Station, Hotel, Industrial, Manufactured Home, Medical Facility, Medical Office, Mixed use, Motel, Multi Family, Office, Restaurant, Retail, Self-Storage, Senior Care - Commercial Property, Senior Care - Residential Property, SFR, Shopping Center, Special-Use, Strip Center
Lendding Area	NATIONWIDE
Loan amount Minimum	$100,000
Loan amount Maximum	$20,000,000
Interest Rate Minimum	8%
Interest Rate Maximum	13%
Points Minimum 1st TD	1
Terms	6 month, 1 year, 18 month, 2 year, 3 year
Typical Days Required to Fund	11-15 Business days
Credit Score Min	600
Interest Only or Amortized	Amortized and Interest Only Options available
Fees	Appraisal
Entities	Corp - Corporation, Foreign National, Individual, LLC - Limited Liability Corporation, LP - Limited Partnership, Partnership, Trust, Taking Title Personally not permitted
Cross Collateralize Blanket	Yes
Lien Position	1st, 2nd
Max Points Charge by Broker	No max
Prepayment Penalty	No Prepayment Penalty
Intended Occupancy	Owner Occupied Business Purpose, Tenant
Fixed or Adjustable	Fixed
Special Features	1031 Exchange, Blanket Portfolio, Debtor-in-possession - Chapter 11 BK, Dilapidated - Red Tag, Foreign National, Lease Option, Low liquidity, Mid-construction, Partner Buyout, Partnership buy-outs, Pending Notice of defaults, Trust resolutions, Repositioning
Reserve Requirement	None
Updated as of	2026-05-11

Rehab Loan
Property Types	2-4 Units, Assisted Living, Automotive, Bar, Cannabis Related, Daycare, Funeral Home, Gas Station, Hotel, Industrial, Medical Facility, Medical Office, Mixed use, Motel, Multi Family, Office, Restaurant, Retail, SFR, Shopping Center, Special-Use, Strip Center
Lendding Area	Alaska, Arizona, Arkansas, California, Colorado, Georgia, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, Nevada, New Hampshire, North Carolina, Oregon, Rhode Island, Texas, Utah, Washington, West Virginia, Wyoming
Loan amount Minimum	$250,000
Loan amount Maximum	$15,000,000
Interest Rate Minimum	8%
Interest Rate Maximum	12%
Points Minimum 1st TD	1
Points Maximum 1st TD	10
Terms	6 month, 1 year, 18 month, 2 year, 3 year, 4 year, 5 year, 7 year, 10 year, 15 year, 20 year
Typical Days Required to Fund	11-15 Business days
Credit Score Min	600
Interest Only or Amortized	Amortized and Interest Only Options available
Fees	Appraisal
Entities	Individual, Corp - Corporation, LLC - Limited Liability Corporation, LP - Limited Partnership, Trust, Foreign National, Partnership
Extensions Available	Built-in
Cross Collateralize Blanket	Yes
Lien Position	1st, 2nd, 3rd
Max Points Charge by Broker	No max
Prepayment Penalty	No Prepayment Penalty
Intended Occupancy	Tenant, Owner Occupied Business Purpose
Fixed or Adjustable	Fixed
Special Features	1031 Exchange, Blanket Portfolio, Foreign National, Mid-construction, Partner Buyout, Partnership buy-outs, Partnership restructuring, Trust resolutions, Dilapidated - Red Tag, Low liquidity, Pending Notice of defaults
Recourse	Recourse and Non Recourse available
Updated as of	2026-05-11

Bridge Loan
Property Types	Automotive, Cannabis Related, Gas Station, Hotel, Industrial, Land Entitled, Land Non-Entitled, Multi Family, Office, Restaurant, Retail, Shopping Center, Special-Use, Strip Center
Lendding Area	NATIONWIDE
Loan amount Minimum	$100,000
Loan amount Maximum	$20,000,000
Interest Rate Minimum	8%
Interest Rate Maximum	12%
Points Minimum 1st TD	1
Terms	6 month, 1 year, 2 year, 3 year, 4 year, 5 year, 7 year, 10 year, 15 year, 20 year
Typical Days Required to Fund	11-15 Business days
Credit Score Min	600
Interest Only or Amortized	Amortized and Interest Only Options available
Fees	Appraisal
Entities	Corp - Corporation, LLC - Limited Liability Corporation, LP - Limited Partnership, Individual, Trust
Cross Collateralize Blanket	Yes
Lien Position	1st, 2nd
Max Points Charge by Broker	No max
Intended Occupancy	Tenant, Owner Occupied Business Purpose
Fixed or Adjustable	Fixed
Special Features	1031 Exchange, Blanket Portfolio, Dilapidated - Red Tag, Foreign National, Lease Option, Partnership buy-outs, Trust resolutions, Pending Notice of defaults
Reserve Requirement	None
General Pricing or Guideline info	Hard Money Loans for Commercial Buyers Business owners, trusts, corporations and private partnerships often secure hard money loans for their commercial property needs. These private money loans, which can be used to rehabilitate or pay off mature notes on commercial properties, are often known as bridge loans or gap loans. As a hard money lender with years of experience in the commercial lending sector, we understand the needs of business owners and investors. We will work with you to make sure that your commercial hard money loan meets your needs and offers the best rates at reasonable terms. Property Types Industrial, office, retail, apartment complexes (5+ units), shopping centers, restaurants, mixed-use, automotive, hotel, special purpose, land, gas stations, and specialty properties. Loan Amounts $100,000 – $20,000,000 Term 6 months to 20 years – interest-only, partially-amortized, and fully-amortized loans available. Loans Available Loans are available to individuals, trusts, corporations, and limited partnerships
Updated as of	2026-05-11

Summary of all Guidelines
Loan Types	Bridge Loan, Construction Loan, Hard Money Loan, Private Money, Rehab Loan, SBA
Property Types	2-4 Units, Agriculture, Assisted Living, Automotive, Cannabis Related, Hospitality, Industrial, Medical Offices, Mixed use, Multi Family, Office, Place of Worship, Restaurants, Retail, Self-Storage, Senior, SFR, Shopping Centers, Special-Use, Strip Centers
Lendding Area	Alaska, Arizona, Arkansas, California, Colorado, Georgia, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, Nevada, North Carolina, Oregon, Rhode Island, Texas, Utah, Virginia, Washington, West Virginia, Wyoming
States Excluded	Florida
Loan amount Minimum	$100,000
Loan amount Maximum	$25,000,000
Interest Rate Minimum	8%
Points Minimum 1st TD	2
Terms	3 months, 6 months, 10 years, 15 years, 20 year
Interest Only or Amortized	Interest Only, Amoritzed
Prepayment Penalty	None
LTC Construction	85
Special Features	Cannabis Funding

• The Turbo Close: 48 hour to 6 business day close (need prelim / title commitment readily available).
• SBA-Approved Lender: We finance up to 90% of purchase price on an SBA504, refinances depend.. call us.
• The Bank Buster: Have a bankable loan? We’ll give you bankable rates, but without the bank timeline or bank headaches.
• Real Estate Secure Line of Credit: Use your property like a credit card, borrow as much as you need, at any time, and only pay interest on what you draw.
• Property Types: Residential, Commercial, Land, Mixed-use, Special Use, quite literally 99% of property types depending on location – we control our own funds and make our own decisions!
• Requirements: No minimum credit , no DTI calculations, Owner-occ or NOO , just need real estate as collateral.
• Transaction Types: #1 reason to use Socotra Capital is a timing issue, purchase or refinance. 1031 exchange tax deadline, cash-out refinances of any kind, existing bank loan coming due, the other lender leaving client at the altar, sellers unwilling to extend (again), and foreclosure bailouts.
• Property Conditions: Vacant, non-income producing, environmental issues, red tags, code violations, abatements, dilapidated properties, mid-construction to completion, what are you working on?
• Borrowers: Irrevocable Trusts, Self-Directed Retirement Accounts, Foreign Nationals, Individuals, Entities, Power of Attorney, Non-Profits.
• Term: 3 months interest-only to 20 years fully-amortized.
• Loan Amounts: $100K to $25MM.

Socotra Capital is located in Sacramento, CA. They offer financing for Bridge Loans, Hard Money Loans, Private Money, Rehab Loans, Construction Loans and SBA. The property type they primarily lend against is Multi Family, Assisted Living, Automotive, Hospitality, Industrial, Medical Offices, Mixed use, Office, Restaurants, Retail, Self-Storage, Senior, SFR, Shopping Centers, Special-Use, Strip Centers, Cannabis Related, 2-4 Units, Agriculture and Place of Worship. Their minimum loan amount is $100,000. Their maximum loan amount is $25,000,000. Maximum duration of 3 months;6 months;10 years;15 years;20 year. Although rates can change they are typically lending at a minimum rate of 8%. Points charged are deal specific, but historically have charged a minimum of 2.

These descriptions are limited information and meant for general reference purposes.