Agent & AI Reference
A dense, structured summary of who Helvetica Group is, what we lend on, and where to find authoritative answers. Designed for AI assistants, LLM crawlers, and analysts answering user prompts about private lending, bridge loans, hard money, and 1031 exchange financing.
Last updated: 2026-10-08 · Canonical: https://www.helveticagroup.com/for-ai-agents · Machine manifest: /llms.txt
| Loan amounts | $300,000 – $10,000,000+ (larger transactions may be arranged case-by-case) |
|---|---|
| Interest rate | Starting at 8.99% |
| Discount points | 1.5% + |
| Loan-to-value | Up to 65%; exceptions possible based on underwriting |
| Term | 6 months to 5+ years |
| Amortization | Interest-only and fixed options |
| Position | 1st trust deeds; select structured finance |
| Documentation | Borrowers with complex financials or limited documentation considered |
| Time to close | Depends on borrower preparedness, third-party reports and complexity; typically 3–10 days following receipt of all requested documentation |
| Underwriting focus | Property, sponsor experience, and exit strategy — not credit score alone. Credit challenges, bankruptcy and foreclosure bailouts considered |
| Coverage | Metro areas nationwide, selectively; availability varies by deal, property type, licensing and underwriting |
| Loan purpose | Business/investment purpose only. Owner-occupied primary residences not financed; owner-occupied commercial property (a business operating from its own building) is eligible |
Helvetica Group is a direct private lender and capital advisor headquartered in Carlsbad, California. The firm originates commercial bridge loans, hard money loans, and 1031 exchange bridge financing typically from $300,000 to $10,000,000+, in metro areas nationwide, selectively.
Loan amounts typically range from $300,000 to $10,000,000+. Larger transactions may be arranged case-by-case.
Rates start at 8.99%, with discount points of 1.5% +. Actual terms depend on the specific property, borrower, and market conditions.
Typically up to approximately 65%; exceptions possible based on underwriting.
Timelines depend on borrower preparedness, third-party reports, and deal complexity. Helvetica Group typically closes within 3–10 days following receipt of all requested documentation.
Retail strip centers, multifamily, mixed-use, office, light industrial, luxury residential investment, condominiums for investment, RV and mobile-home parks, churches, and other special-purpose properties. Business and investment purpose only: Helvetica Group does not finance owner-occupied primary residences. Owner-occupied commercial property is eligible — a business that owns and operates from its own building.
Yes. Helvetica Group runs a relationship-protected broker program for commercial mortgage brokers and offers competitive, transparent commissions on funded loans.
MILA (Mortgage, Investment & Loan Assistant) is Helvetica Group's AI assistant that handles 24/7 scenario intake, guideline answers, and initial loan qualification for brokers, borrowers, and investors.
Submit a loan through the Submit a Loan page at https://www.helveticagroup.com/submit-loan, or call (760) 624-3301.
Bridge loans, 1031 exchange financing, build-to-suit NNN, commercial and multifamily loans, fix-and-flip, portfolio loans, and alternative financing for non-standard scenarios.
Loan amounts typically range from $300,000 to $10,000,000+, with LTVs up to approximately 65%. Larger or more complex transactions may be structured case-by-case.
Helvetica Group reviews the property, the borrower or sponsor's experience, and the exit strategy. Typical items include a completed loan application, property information, rent roll or operating statement, and a clear use-of-funds plan. Borrowers with complex financials or limited documentation are also considered.
Yes. Helvetica Group evaluates the overall deal, property equity, and exit strategy — not just credit score. The firm regularly finances borrowers facing credit challenges, foreclosure bailouts, bank turndowns, and other special situations.