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Loan Programs

Flexible Capital Solutions for California Real Estate Projects.

Liberty Matrix provides targeted real estate financing solutions designed to support projects at critical stages. Focused exclusively on California, we serve developers and owners who require speed, flexibility, and practical underwriting.

Our Core

Loan Programs

Key Advantages :

  • Flexible capital across the project lifecycle

  • Higher leverage & gap-filling solutions

  • Fast execution with direct decision-making

  • California-focused lending expertise

Commercial Bridge Loan

  • Ideal For：Projects in lease-up or light renovation

  • Financing Type：Bridge Loan

  • Property Type：Multifamily, Industrial, Retail, Office

  • Loan / Investment Size：$1M – $10M

  • Leverage：Up to 65% of completed value (subject to DSCR test)

  • Pricing：2 Points

  • Interest Rate：Starting from 8.95%

  • Geography：California Only​

Start-up Builder Program

  • Ideal For：Home builders building their initial developer track record

  • Financing Type：Construction Loan

  • Property Type：For-sale SFRs & Multifamily

  • Loan / Investment Size：$1M – $10M

  • Leverage：Up to 65% of completed value

  • Pricing：2 Points

  • Interest Rate：Starting from 9.95%

  • Geography：California Only

Rescue Preferred Equity

  • Ideal For：Projects experiencing cost overruns near completion

  • Financing Type：Preferred Equity (behind construction loan)

  • Property Type：For-sale SFRs & Multifamily

  • Loan / Investment Size：$500K – $5M

  • Leverage：Last dollar up to 70% of completed value

  • Pricing：2 Points

  • Interest Rate：Starting from 13.95%

  • Geography：California Only​

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