Private Lender San Diego
Direct 2nd trust deed financing from California's top-rated private lender. No appraisal. No committee. One decision-maker. Close in 7–10 days.
Get Funded TodayWhat is a Private Lender in San Diego?
A private lender in San Diego is an alternative funding source for property owners who need capital quickly and can't qualify through traditional banks. Private money lenders like EZ Loans provide direct, personal financing based on property equity rather than credit scores or lengthy approval processes.
Unlike banks that rely on committees and appraisals, Erik Egelko personally evaluates every loan. With over $150M in commercial real estate transactions, Erik understands San Diego property markets intimately and makes funding decisions in days, not months.
Private lending fills a critical gap. Whether you're bridging working capital, purchasing a rental, or accessing equity for renovation, EZ Loans delivers capital without bank bureaucracy.
Why Choose a Private Lender in San Diego?
Speed
Traditional banks take 30–60 days. EZ Loans closes in 7–10 days with one decision-maker and minimal paperwork.
Flexibility
No cookie-cutter underwriting. We evaluate your situation holistically and customize loan terms to fit.
Equity-Based
We focus on property value and your equity position, not credit scores or employment history.
Transparent Pricing
No hidden fees. Rates and terms discussed upfront — no surprises at closing.
No Appraisals Required
Market analysis and property research determine loan amounts. Saves time and money.
San Diego Expertise
Erik's deep roots in San Diego real estate mean we understand local market trends and property values.
How EZ Loans Differs from Other Private Lenders
Direct Lender. No Middleman.
EZ Loans is a direct private lender — not a broker matching you with outside funds. We directly fund every loan from our capital.
- One decision-maker: Erik personally reviews and approves your loan.
- No broker markups: Deal directly with us. No hidden intermediary fees.
- Faster decisions: Direct funding eliminates third-party negotiations.
- Personal accountability: Erik stands behind every loan.
Erik Egelko's Track Record
EZ Loans is backed by Erik Egelko, a top-tier commercial real estate broker with:
- Over $150M in transactions closed
- Top-producing CRE investment sales agent
- Deep roots in San Diego real estate
- Deep knowledge of property markets and lending
This expertise translates to smarter underwriting, faster decisions, and loans that work for real San Diego property owners.
Types of Properties We Finance
Investment Properties
Rental homes, multi-unit complexes, and commercial properties. We lend on stabilized and value-add investments.
Owner-Occupied Residential
Primary residences where you need quick capital. Perfect for renovations, business funding, or accessing equity fast.
Commercial Real Estate
Office, retail, industrial, and mixed-use properties across San Diego County.
Land and Development
Raw land, development projects, and properties in transition. We evaluate development potential and market demand.
How EZ Loans Works
Loan amounts, rates, and terms are discussed on a case-by-case basis. Call Erik directly to discuss your situation.
Frequently Asked Questions About Private Lending in San Diego
A second trust deed is a loan secured by your property in second lien position (after a first mortgage). It uses your home's equity as collateral, allowing you to access capital without refinancing your primary mortgage.
EZ Loans closes in 7–10 days. Erik personally reviews your loan within 24–48 hours. Unlike banks requiring 30–60 days with multiple committees, we have one decision-maker who can approve and fund quickly.
No. We use market analysis, comparable sales, and property research instead. This saves time and money compared to traditional lenders.
No strict minimums. We focus on property equity and value. If you have sufficient equity, we can likely fund you even with recent credit challenges.
Absolutely not. Rates and terms are transparent and discussed upfront. No hidden costs, no surprise charges at closing.
Ready to Access Your Equity?
Stop waiting for bank approvals. Get funded in 7–10 days with EZ Loans' direct private lending in San Diego.
NMLS #2543934 · Subsidiary of Egelko Enterprises · Licensed Private Lender