Malibu is one of the most exclusive coastal markets in the world, a 21-mile stretch of Pacific Coast Highway where oceanfront estates, canyon compounds, and the guard-gated Malibu Colony command prices that put deals well beyond conventional lending. Point Dume, Malibu Park, and Big Rock each carry their own microclimate and buyer profile, from bluff-top view lots to beachfront trophy homes. Wildfire history, coastal permitting, and Coastal Commission oversight make timing and capital certainty everything in this luxury market.
Fidelity Funding delivers the discreet, high-limit private capital Malibu investors and owners need, with loans ranging up to $50M and asset-based underwriting that focuses on the property, not just tax returns. A direct California lender since 2006, we fund bridge, construction, and cash-out loans in 5 to 10 business days at rates from 9.99%. For a Malibu Colony rebuild or a bridge against a Point Dume estate while a sale or entitlement plays out, our speed and flexibility keep high-value transactions moving when banks stall.
For a property in Malibu, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Malibu Colony, Point Dume, Malibu Park, Big Rock and adjacent Malibu submarkets.
Illustrative property value: $1.57M · Illustrative financing range: $1.02M – $1.97M · Programs to discuss: luxury fix-and-flip and short-term rental DSCR
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $1.02M to $1.97M range below is an illustration, not funded-loan history or an offer.
Options to discuss include luxury fix-and-flip and short-term rental DSCR, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Our loans run up to $50M, which fits Malibu's oceanfront and view-lot price tier where conventional financing falls short.
Absolutely. Bridge loans against illiquid estates are a common use of our capital here, giving owners liquidity while a sale or coastal entitlement resolves.
Permitting can affect a project's timeline, but we underwrite to the plan and can structure draws around your approvals. We fund the asset regardless of the process length.
We are asset-based, focusing on the property's value and your exit rather than requiring exhaustive income documentation, which suits high-net-worth borrowers with complex finances.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT