Private Real Estate Capital · California
Thornton Capital Lending places private capital as junior trust deeds secured by non-owner-occupied residential real estate — from ground-up construction to income-producing multi-family assets — throughout the State of California.
What We Do
Thornton Capital Lending LLC is a California-based private lender that places capital as junior deeds of trust — 2nd and 3rd position — against non-owner-occupied residential real estate. Our focus is narrow by design: construction and investment-property deals on single-family and multi-family assets, located exclusively within the State of California.
Every placement is structured behind senior financing with a defined equity cushion, common-sense underwriting, and straightforward terms. We work directly with experienced developers, investors, and their capital partners to move deals forward with certainty and speed.
Loan Programs
Capital placed in 2nd and 3rd position deeds of trust behind senior financing, structured to preserve a clear equity cushion.
Financing for new single-family and multi-family construction, from site-ready lots through vertical build-out.
Business-purpose capital secured by non-owner-occupied single-family and multi-family properties held for investment.
Built By People Who Build
Thornton Capital Lending is affiliated with Thornton Development Group, a California real estate development operator. Shown below is a sample of TDG’s completed and in-progress single-family and multi-family projects — included to illustrate the construction and underwriting perspective behind our lending, not as a representation that these properties were financed by Thornton Capital Lending.
Completed
8404 Gonzaga Ave
Rendering
1925 19th St
Rendering
3146 Verdugo Place
Rendering
4432 Berryman Ave
Capital Placed
Thornton Capital Lending is a newer operation — we’d rather show a small number of real, verifiable placements than inflate a track record. Figures below reflect our capital placed to date.
[$X.X]
Capital Placed To Date
[#]
Deals Funded
12.99%
Rates Starting At
CA
Only State We Lend In
How It Works
01
Send us the property, position, senior debt terms, and use of proceeds.
02
We evaluate equity cushion, exit strategy, and sponsor experience, then issue terms.
03
Once terms are accepted and documentation is complete, we fund directly to escrow.
Tell us about the property, the position, and the plan.
