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.
Malibu is defined by oceanfront scarcity; the median property in Malibu prices near $1.57M, and motivated sellers expect a same-week close.
Most Malibu files we fund pair a 70-75% LTV bridge against the as-is to acquire, with a rehab line for design-grade finishes targeted to the local luxury buyer. Local pocket coverage includes Malibu Colony, Point Dume, Malibu Park, Big Rock and adjacent Malibu submarkets.
Estimated local median: $1.57M · Typical loan range: $1.02M – $1.97M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Malibu private money loans we fund range from $1.02M to $1.97M, sized against an estimated local median around $1.57M. Loans outside that range are case-by-case based on parcel and scope.
For Malibu, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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