Skip to content
A house under construction against a blue-sky backdrop

California's Trusted Partner in Private Financing

70 years of real estate loan expertise

Contractor-at-construction-site-1
Who We Are

Herzer Financial by Socotra Capital

Since 1950, Herzer Financial has been a premier provider of private real estate loans in California. We offer efficient, flexible financing options for homeowners, contractors, and investors, including ground-up construction, fix-and-flips, major remodels, and more.

About Us
What We Offer

Capital When You Need It

Fund your real estate ventures with loans up to $3 million and flexible terms up to 5 years.

Who We Serve

Real People, Real Funds

We're a proven partner for borrowers, brokers, investors, and contractors.

home mortgage icon

Borrowers

Creative funding solutions for borrowers with ongoing projects in need of completion
Learn More
handshake icon

Brokers

Efficient funding options to expand broker client base and increase customer satisfaction
Learn More
donut-chart icon

Investors

Investment returns backed by the security of real estate
Learn More
house-plan icon

Contractors

Agile, accessible solutions for efficient construction financing
Learn More
What Sets Us Apart

The Herzer Advantage

Learn why we're California's premier private real estate lender.

About Us
View-of-the-Golden-Gate-bridge-1

Our Difference

Herzer Financial Banks
handshake icon
Strong relationships with clients and a personalized, supportive lending experience
Herzer Financial Banks
construction icon
Construction loans for business ventures
Herzer Financial Banks
loan icon
Out-of-the-box underwriting for unique loan requests
Herzer Financial Banks
engineering icon
Experienced problem solvers with a clear understanding of the construction process and its challenges
Herzer Financial Banks
Our Approach

How to Get Funded

Discover the step-by-step guide to our simple loan process.

search icon
Step 1

Discovery

Explore your financial needs and goals with our experts, ensuring a tailored approach to your unique circumstances.
project icon
Step 2

Structure Transaction

Partner with one of our construction officers to ensure proper project structuring before construction begins.
wheelbarrow icon
Step 3

Project Funding and Builder Vetting

Secure the necessary funds for your project, and carefully evaluate potential builders or contractors.
signature icon
Step 4

Loan Close

Finalize the loan transaction according to your specific terms and conditions via a seamless closing process.
Herzer Financial Blog

Lending Insights

Learn more about private real estate lending and how it can help you.

Read Our Blog

Ready to Get Funded?

Apply Today!

Complete the form below. Our loan officer will be in touch shortly to discuss your options.