The People We Serve

Our community of borrowers, investors, and brokers love Malibu Funding Lending…


We stand ready to fund your residential (purchase, refi, FHA, reverse), commercial, SBA, or construction purchase and refinance loans quickly.


With over 3000 transactions successfully completed we specialize in helping investors save time, money, and focus on their business.


Our ability to quickly assess a situation and tap into a variety of resources to remedy a solution has been the hallmark of our success.


We all know that getting a loan is much different than ever before and the process is still changing constantly. Why not use a specialist that can help guide you through the process: from pre-qualification, to finding the best lender with the best pricing, to knowing where to go for that “out of the box” situation, to funding smoothly, Malibu Funding, Inc. is here to help. Give us a try today. Over 2500 other clients can’t be wrong!


With a strong professional network of realtors, attorneys, and accountants, Searchlight has source to off-market, below market, and high cap rate investments to place your cash. Whether you are looking to refinance your real estate portfolio, acquire more properties, or find homes for your out of the box financing needs, we are happy to help. With conventional, portfolio, and direct private money options available, if we can’t find a home for your loan the chance is no one will be able to.
From construction to bad credit to over 10 financed properties in a portfolio we have seen it before and have found a solution for our clients.
We can also offer 1st trust deeds over 7% with safe returns, we specialize in helping investors save time, money, and focus on their business.


The borrower needs interim financing for closing a property purchase before they can obtain conventional financing or other funds.

Poor Credit- The borrower has poor credit, a foreclosure, or bankruptcy.

Distressed Property- The property is distressed, violates compliance codes, or is in ruin.
Unusual Borrower- The borrower is a trust, intra-family transfer, or non-profit

Unusual Property- The property is considered ‘unusual’ if not a typical residential or commercial property such as: Churches, Gas Stations, Hotels, Nursing Homes, etc.

Cash Only Purchase- In today’s market, to remain competitive, borrowers need to offer all cash for many properties including REO purchases.

Quick Closing – Often, due to bank fallout, borrowers can’t obtain necessary financing by the date of closing.

If you meet one or more of these qualifying characteristics Malibu Funding, Inc. would like to discuss a private lending alternative with you. To Contact us call (415) 355-4121 or email us.

Amount: $50,000 – $10,000,000. Higher financing amounts may be considered on a case-by-case basis

Loan to Value (LTV): Up to 80%
Position: 1st and 2nd position
Interest Rate: 5.95%-12.5%. High Risk Loans may have higher rates
Term: 1-5 Years. No Prepayment Penalties. Some loans require guaranteed interest

Use of Funds: Purchase, Refinance, Rehab, Interim-Financing

Closing: 1-2 weeks from completed loan package submission to closing. *Faster with complete package.
Submitting a loan to Malibu Funding, Inc. couldn’t be easier!

All we need emailed or faxed 888-361-6597 is the following:
1003 (emailed in .fnm 3.2 format)

Credit Report
Most recent mortgage statement (if applicable)
Insurance declarations page (if applicable)

Purchase contract (if applicable)
With that information we are able to give you a conditional loan approval. Provided the appraisal and preliminary title report come back without any issues and provided that any and all underwriting conditions are met we are able to go to docs and fund the loan. Our average timeline for a loan from application to funding is 10 days and we are actively looking to improve that timeline.




As a real estate or mortgage broker it is imperative that you are able to team up with a private money funding source. Private money financing or “hard money” is a great way for you to close the gap between a deal that might have otherwise turned down and a deal that turns into commissions for you and helps your clients. All successful real estate and mortgage brokers have at least 1 private money source at their disposal and Malibu Funding, Inc. is positioned to be your source in the San Francisco Bay Area.

Malibu Funding, Inc. is actively seeking successful brokers/partners to submit your hard to place loans as well as your turndowns from traditional financing sources. With Malibu Funding, Inc. you can be assured that a viable deal will fund quickly and without the hang-ups of other private money lenders. We have the money, you have the borrower, and together we can fund the deal.

With some of the lowest rates, lowest fees, and highest payouts to our broker partners in the private money industry a strategic partnership with Malibu Funding, Inc. could be the most profitable partner relationship in your network.