Lending Parameters

Table Style
Loan Amount $ 100,000 to $ 10,000,000
Rate 8 % to 10 %
Loan-To-Value Up to 75 %
Loan-To-Cost Up to 80 % including renovation costs
Term 3 to 18 months
Origination Fees 1 to 2.5 pts, depending on loan duration
Closing Time 10 days or less
Recourse Personal guaranty required in most cases
Required Insurance Title insurance naming lender as insured and property insurance naming lender as additional
insured and loss payee
Collateral Type First trust deed on subject property
Type of Loans Acquisition, Renovation, New Construction, Refinance
Type of Properties Single Family Residences (1-4 units)
Lending Area California; Other states on a case by case basis

About Arixa Lending

We are a relationship-based private money lender to California’s top home renovators. We pride ourselves on our integrity, transparency, accessibility, and professionalism. Through years of working with experienced home renovators as well as those who are newer, Arixa Capital has developed a streamlined borrower approval process, the most efficient and painless servicing process, as well as a deep understanding and expertise of the business. With acquisition financing and renovation loans up to $10 million per property, we stand out as one of the top balance sheet lenders in California.

Lending Process


Day 1:
Submit application online or call Arixa 


Day 2:
Arixa evaluates the project



Day 3:
Receive an actionable decision



Days 7-14:
Get funded


Months 3-9:
Complete your renovation*


Months 4-12:
Pay off loan upon sale of property



*Renovation completion range dependent on project complexity. 

Our Borrowers

Recent Transactions


Arixa Capital Corporation is licensed under the California Bureau of Real Estate #02001940 and NMLS #1458115