Our knowledge, experience, dedication, diligence and sincerity to meeting your loan needs are unparalleled and has been a most valuable resource for our borrowers. We have been in business since 1989, for over 30 years, and completed several hundreds of loans throughout California, each between $100,000 and $4,000,000. We have done many types of loans, including construction loans. We give loans secured by almost any kind of property: land, single family home, multi-unit residential units, commercial building, and gas stations etc. We have repeat clients that, for 10 or 20 years, continue to come to us for their loan needs today.
From when we entered the business to this very day, we have seen the same issues from those looking to find financing through banks and other means. Many complain about long, drawn-out and grueling loan process of banks, only to hear after months that you still lack some document or to hear you need to provide further information that would be very time consuming to gather. Or there is a long wait for a broker who is going around for months to find investors to fund your loan, only to tell you that they are working hard but have not found one yet. Or there are lots of excuses and apologies, but no results, from banks, brokers, or other private lenders.
Our founder and CEO, Ravi Luthra, started FAB Associates to solve these issues and make the lending process smooth, quick, and high-service for our borrowers. Work with us and you will see that your experience with borrowing capital will change for the better.
Our Focus
We provide private money loans (often called hard money loans) secured against real estate of any type located in California. We work with borrowers who own, are buying, or are constructing a property in California.
FAB is innovative and finds creative solutions to meet your needs. Typically, hard money lenders have set guidelines. FAB is unique – we structure each transaction to fit your needs. FAB treats each loan as a unique loan and meets the need of the specific borrower for that loan as a standalone loan.
Given our wide range of experience over 30 years, FAB has most likely encountered a loan situation just like yours. Our depth of knowledge and experience helps us to make the loan process very simple and smooth for you and allows us flexibility to fund loans quickly to borrowers and businesses that many others would never consider or don’t fit the traditional lending mold or constraints and limitation of others.
Finally, we do not require any up-front fees prior to closing. These fees can often run into the thousands of dollars – but we charge no such fees.