YOUR DIRECT PRIVATE MONEY LENDER
YOUR DIRECT PRIVATE MONEY LENDER
THAT PROVIDES FINANCING TO REAL ESTATE INVESTORS
THAT PROVIDES FINANCING TO REAL ESTATE INVESTORS
By the numbers
Built on Proven Results
Built on Proven Results
Why Choose us
Built on Speed, Convenience & Trust
Built on Speed, Convenience & Trust
Explore our bridge loans, fix and flip financing, and ground up construction financing designed to help real estate investors move quickly with private money.
Timing
We understand that timing is critical in real estate lending. With underwriting, processing, and decision making handled in house, we can review your scenario, determine qualification, and issue an approval the same day. Once all required documentation is received and conditions are satisfied, we can close in as little as 48 hours, providing the speed, certainty, and direct communication needed to keep your transaction moving.
Timing
We understand that timing is critical in real estate lending. With underwriting, processing, and decision making handled in house, we can review your scenario, determine qualification, and issue an approval the same day. Once all required documentation is received and conditions are satisfied, we can close in as little as 48 hours, providing the speed, certainty, and direct communication needed to keep your transaction moving.
One-Stop-Shop
At Twin Cal Lending, we offer a variety of loan programs designed to accommodate a wide range of real estate transactions. As a one stop private lender, we specialize in bridge loans that require fast closings, fix and flip loans with full rehab financing, ground up construction loans, rental properties, and commercial real estate financing. With our experienced team and streamlined in house process, we provide flexible financing solutions tailored to each transaction.
One-Stop-Shop
At Twin Cal Lending, we offer a variety of loan programs designed to accommodate a wide range of real estate transactions. As a one stop private lender, we specialize in bridge loans that require fast closings, fix and flip loans with full rehab financing, ground up construction loans, rental properties, and commercial real estate financing. With our experienced team and streamlined in house process, we provide flexible financing solutions tailored to each transaction.
Trust & Experience
For over 15 years, Twin Cal Lending has proudly served the real estate community, earning a strong reputation for reliability, transparency, and execution. We evaluate every loan scenario upfront and provide clear, straightforward answers. When we approve a loan, our commitment is simple: deliver on our promise and get the deal closed. Experience. Reliability. Results.
Trust & Experience
For over 15 years, Twin Cal Lending has proudly served the real estate community, earning a strong reputation for reliability, transparency, and execution. We evaluate every loan scenario upfront and provide clear, straightforward answers. When we approve a loan, our commitment is simple: deliver on our promise and get the deal closed. Experience. Reliability. Results.
Recently Funded Deals
Follow us on Instagram for real funded deals, private lending insights, and new financing updates.
Follow us on Instagram for real funded deals, private lending insights, and new financing updates.
Recently Funded Deals
Recently Funded Deals
Recently Funded Deals
Our Process
Our Process
TWIN CAL LENDING IS YOUR PARTNER IN RESIDENTIAL AND COMMERCIAL REAL ESTATE
Submit Your Deal
Submit your loan online or call to speak with a private money specialist.
.01
.02
Loan Approval
Receive a fast approval after our team reviews your financing request.
.03
Quick Funding
We accommodate quick and rapid funding as fast as 3 days!
Submit Your Deal
Submit your loan online or call to speak with a private money specialist.
.01
Loan Approval
Receive a fast approval after our team reviews your financing request.
.02
Quick Funding
We accommodate quick and rapid funding as fast as 3 days!
.03
Submit Your Deal
Submit your loan online or call to speak with a private money specialist.
Loan Approval
Receive a fast approval after our team reviews your financing request.
Quick Funding
We accommodate quick and rapid funding as fast as 3 days!
Below, please find our loan programs, designed to meet a variety of real estate financing needs. Contact our team today to price out your scenario.
Below, please find our loan programs, designed to meet a variety of real estate financing needs. Contact our team today to price out your scenario.
Testimonials
4.9
/5
+
25
Clients
who love our service
We have been working and investing with Twin Capital for a few years. During this period we have completed many transactions, with a few more in the works. Victoria Zarrabi has been our contact, and has always been responsive and rendered great service. Support and hands-on from the Co-Founders shows in everything they do. Thank you, and looking forward to a long and prosperous business relationship!!
Ed Boktor
Working with Arsen, Oleg, and Victoria feels like having a team of superheroes on our side. They’ve repeatedly pulled off what we thought was impossible, always with a smile and a solution. Their knowledge is impressive, and they always find us the best deals. More than that, they’re genuinely good people who care. We’re so thankful for their help, year after year!
Shant Berberian
The best thing about Twin Cal lending is that they never issue a “maybe”. I’ve been working with Oleg and Arsen for almost 10 years. In that time, we’ve developed a relationship that feels more like going to a family member than that of a bank. They are succinct, professional and they always follow through. NEVER have I ever heard a representative from their firm equivocate in any way. If they say that they will fund a transaction then you’d better believe that funding is imminent. What else can you ask for? In addition, Victoria (AKA the backbone) is always there to answer questions and address any issues. They are truly a solid team, standing head and shoulders above the fray.
Christopher DeBruno
I have been working with Twin Capital for many years. One of the most professional and effective lenders in the hard money space in Southern California. Have closed within 24-48 hrs on deals that needed very quick funding. They have a great support staff and efficient processing Dept that is always ready to get the job done. Highly recommend them to anyone who needs a referral
German simakovski
We recently worked with Victoria Zarrabi on a buyer transaction, and she truly went above and beyond!! During a HOLIDAY week, she managed to produce full loan documents and fund the deal in just 3 days — something almost unheard of in this industry! Her communication was clear, her efficiency was impressive, and she never once made the process feel rushed or sloppy despite the tight timeline. If you’re looking for a lender who can perform under pressure while still being professional, responsive, and detail-oriented, Victoria is exactly that! Highly recommend her to any buyer, investor, or agent who needs results without excuses. Thank you so so much Victoria!!
Kelly Vessey
Victoria and Arsen are phenomenal. I have never experienced a transaction so smooth. They kept me in the loop the entire time and the level of professionalism was exceptional. If you’re looking for a lending company look no further!!
Georgia Scheible
View all Reviews
Twin Cal Lending exceeded expectations on a recent hard money funding. Arsen and Victoria moved quickly and communicated clearly. Their speed and execution made the entire process seamless. I’m looking forward to working with them again soon. Thank you Arsen & Victoria
Patrick Akopians
Great experience working with Twin Cal. Victoria helped us on a hard money deal. I Look forward to continued business with them and recommend them to all investors. Thank you Victoria
Alex Karibyan
Highly recommend Arnold with Twin Cal Lending. He has helped guide my investors to build an extensive real estate portfolio in financing the acquisitions of our projects. Thank you, Arnold and the Team! . Paul Tran Group
Paul Tran Group
4.9
/5
+
25
Clients
who love our service
Twin Cal Lending exceeded expectations on a recent hard money funding. Arsen and Victoria moved quickly and communicated clearly. Their speed and execution made the entire process seamless. I’m looking forward to working with them again soon. Thank you Arsen & Victoria
Patrick Akopians
We recently worked with Victoria Zarrabi on a buyer transaction, and she truly went above and beyond!! During a HOLIDAY week, she managed to produce full loan documents and fund the deal in just 3 days — something almost unheard of in this industry! Her communication was clear, her efficiency was impressive, and she never once made the process feel rushed or sloppy despite the tight timeline. If you’re looking for a lender who can perform under pressure while still being professional, responsive, and detail-oriented, Victoria is exactly that! Highly recommend her to any buyer, investor, or agent who needs results without excuses. Thank you so so much Victoria!!
Kelly Vessey
Working with Arsen, Oleg, and Victoria feels like having a team of superheroes on our side. They’ve repeatedly pulled off what we thought was impossible, always with a smile and a solution. Their knowledge is impressive, and they always find us the best deals. More than that, they’re genuinely good people who care. We’re so thankful for their help, year after year!
Shant Berberian
Our family has worked with Arnold and his team numerous times now and every time has been not only great but very smooth! We would highly recommend working with Arnold at Twin Cal Lending!!
Greg Demirjian
View all Reviews
I have been working with Twin Capital for many years. One of the most professional and effective lenders in the hard money space in Southern California. Have closed within 24-48 hrs on deals that needed very quick funding. They have a great support staff and efficient processing Dept that is always ready to get the job done. Highly recommend them to anyone who needs a referral
German simakovski
We have been working and investing with Twin Capital for a few years. During this period we have completed many transactions, with a few more in the works. Victoria Zarrabi has been our contact, and has always been responsive and rendered great service. Support and hands-on from the Co-Founders shows in everything they do. Thank you, and looking forward to a long and prosperous business relationship!!
Ed Boktor
Great experience working with Twin Cal. Victoria helped us on a hard money deal. I Look forward to continued business with them and recommend them to all investors. Thank you Victoria
Alex Karibyan
Twin Cal Lending is top notch.
Gena Kopytov
They saved my deal last minute in a very professional and efficient way! Special thanks to Victoria! Always a pleasure working with her!
Mary Matevosyan
4.9
/5
+
25
Clients
who love our service
I have been working with Twin Capital for many years. One of the most professional and effective lenders in the hard money space in Southern California. Have closed within 24-48 hrs on deals that needed very quick funding. They have a great support staff and efficient processing Dept that is always ready to get the job done. Highly recommend them to anyone who needs a referral
German simakovski
Twin Cal Lending exceeded expectations on a recent hard money funding. Arsen and Victoria moved quickly and communicated clearly. Their speed and execution made the entire process seamless. I’m looking forward to working with them again soon. Thank you Arsen & Victoria
Patrick Akopians
We have been working and investing with Twin Capital for a few years. During this period we have completed many transactions, with a few more in the works. Victoria Zarrabi has been our contact, and has always been responsive and rendered great service. Support and hands-on from the Co-Founders shows in everything they do. Thank you, and looking forward to a long and prosperous business relationship!!
Ed Boktor
We recently worked with Victoria Zarrabi on a buyer transaction, and she truly went above and beyond!! During a HOLIDAY week, she managed to produce full loan documents and fund the deal in just 3 days — something almost unheard of in this industry! Her communication was clear, her efficiency was impressive, and she never once made the process feel rushed or sloppy despite the tight timeline. If you’re looking for a lender who can perform under pressure while still being professional, responsive, and detail-oriented, Victoria is exactly that! Highly recommend her to any buyer, investor, or agent who needs results without excuses. Thank you so so much Victoria!!
Kelly Vessey
Great experience working with Twin Cal. Victoria helped us on a hard money deal. I Look forward to continued business with them and recommend them to all investors. Thank you Victoria
Alex Karibyan
Working with Arsen, Oleg, and Victoria feels like having a team of superheroes on our side. They’ve repeatedly pulled off what we thought was impossible, always with a smile and a solution. Their knowledge is impressive, and they always find us the best deals. More than that, they’re genuinely good people who care. We’re so thankful for their help, year after year!
Shant Berberian
Our family has worked with Arnold and his team numerous times now and every time has been not only great but very smooth! We would highly recommend working with Arnold at Twin Cal Lending!!
Greg Demirjian
They saved my deal last minute in a very professional and efficient way! Special thanks to Victoria! Always a pleasure working with her!
Mary Matevosyan
Twin Cal Lending is top notch.
Gena Kopytov
View all Reviews
Contact Us
Loan terms are tailored to each transaction and may vary based on factors such as borrower experience, credit profile, loan-to-value (LTV), loan amount, property type and location, and other underwriting considerations. Terms are subject to change and final underwriting review and approval.
Twin Cal Lending is licensed in California, DRE License #02117274 and CFL License #60DBO-128081.
Our team responds to inquiries within 24–48 business hours, excluding holidays.
YOUR DIRECT PRIVATE MONEY LENDER
THAT PROVIDES FINANCING TO REAL ESTATE INVESTORS
