Jcap Private Lending
Jcap Private Lending (Jayco Premium Finance of California Inc.) is a Costa Mesa, California-based private lender founded in 2014 that originates short-term, real estate-secured bridge loans of $30k–$5M nationwide and operates internally managed investment funds serving accredited investors, family offices, and nonprofit endowments.
- Company typePrivate
- Founded2014
- HeadquartersCosta Mesa, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Jcap Private Lending does
Jcap Private Lending (legal entity: Jayco Premium Finance of California Inc.) is a Costa Mesa, California-based private lender founded in 2014 that originates short-term, real estate-secured bridge loans nationwide. The company offers six loan programs — Cash Out Refi, Rate & Term Refi, Fix and Flip, Multi-Family Bridge, Commercial, and DSCR — sized from $30,000 to $5.0 million, with a maximum 65% loan-to-value ratio and closings reported in as little as five days. Underwriting is equity-based, prioritizing property asset value over borrower creditworthiness.
On the funding side, Jcap operates a vertically integrated capital stack of internally managed investment funds and programs: three core funds (Fixed Income Fund, 1st Cast Opportunity Fund, Magellan Fund) plus four specialty programs (Cash Reserves at 4% APY, Second Orchard LLC at 8% fixed return, Portfolio Management for $10M+ families at 2% management fee, and JCAP Endowment with zero management fees for nonprofits). Loan funding is sourced from these private investment vehicles rather than warehouse facilities or securitization, which the company cites as the basis for rapid approval and closing.
The company distributes through a dual-channel model — direct-to-borrower via its A.I.U Quick Quote digital portal and a broker channel supported by industry association memberships (AAPLP, AIME, NAMB, MBA). Customer segments span real estate investors and developers, licensed mortgage brokers, accredited/qualified purchasers, and a differentiated nonprofit/endowment LP base served through the "One Big Gift" philanthropic initiative. The team is lean (11–50 employees), founder/CEO-led by Bob Eakin, and operates with over 100 years of combined underwriting experience as its primary human-capital asset. Revenue is generated from interest spread on originated loans, management fees on investment programs, and is not publicly disclosed.
Jcap Private Lending firmographics
Firmographics- Name
- Jcap Private Lending
- Legal name
- Jayco Premium Finance of California Inc.
- Website
- https://jcap.net
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Jcap Private Lending (Jayco Premium Finance of California Inc.) is a Costa Mesa, California-based private lender founded in 2014 that originates short-term, real estate-secured bridge loans of $30k–$5M nationwide and operates internally managed investment funds serving accredited investors, family offices, and nonprofit endowments.
- Ownership category
- akta.pro rank
Jcap Private Lending industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Real Estate Credit (522292), Other Financial Vehicles (52599), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI)
- akta.pro secondary industries
- Private Credit / Direct Lending (FSAAAHAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
Keywords
Where Jcap Private Lending is headquartered
LocationHeadquarters
- HQ city
- Costa Mesa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Jcap Private Lending business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Interest Income from Bridge Loans: Jcap generates revenue through interest payments on short-term real estate-secured bridge loans. The company offers various loan programs including Cash Out Refi, Rate & Term Refi, Fix and Flip, Multi-Family Bridge, Commercial, and DSCR loans. Loan amounts range from $30k to $5.0 Million with terms typically 1-2 years and max LTV of 65%. Commercial loans start at 11.25%+ interest rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Cash Out Refi: $30k-$5.0M, Max LTV 65% |
| Transaction based/ take rate | Pay-as-you-go | Rate & Term Refi: $30k-$5.0M, Max LTV 65%, Min FICO 480 |
| Transaction based/ take rate | Pay-as-you-go | Multi-Family Bridge: $250k-$5.0M, Min FICO 650 |
| Transaction based/ take rate | Pay-as-you-go | Commercial: $250k-$5.0M, 11.25%+ interest rate |
| Subscription | Monthly | Cash Reserve Program: 4% APY with 30-day hold |
| Subscription | Monthly | Second Orchard LLC: 8% fixed return, $100k minimum |
| Subscription | Annual | Portfolio Management: $10M+ assets, 2% management fee |
| Subscription | Monthly | JCAP Endowment: Zero management fees |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels2 records
Jcap Private Lending product offering
Product offeringCore offering
Jcap Private Lending originates and funds short-term, real estate-secured bridge loans ranging from $30k to $5M for real estate investors, developers, and mortgage brokers nationwide, with loan amounts determined primarily by property value (asset-based underwriting) rather than borrower credit. It also operates private alternative investment funds (Fixed Income, 1st Cast Opportunity, Magellan) and structured investment programs (Cash Reserves, Second Orchard LLC, Portfolio Management, JCAP Endowment) that deploy investor capital into these low-LTV real estate loans. Closings can be completed in as little as five days.
Product overview
Jcap Private Lending operates as a unified platform combining alternative investment funds and private lending services. The investment side offers six programs: three core funds (Fixed Income, 1st Cast Opportunity, Magellan), three specialized programs (Cash Reserves, Second Orchard LLC, Portfolio Management for high-net-worth clients, and JCAP Endowment for nonprofits). The lending side provides equity-based real estate loans including Cash Out Refi, Rate & Term Refi, Multi-Family Bridge, Commercial, Fix and Flip, and DSCR programs ranging from $30k to $5 million. All offerings are supported by the proprietary A.I.U Quick Quote portal for loan submissions. The company has over 100 years of combined underwriting experience and operates nationwide.
Differentiator
Problem solved
Functional benefit
Brands
- Fixed Income Fund: Fund that purchases short-term real estate loans with low loan-to-values (less than 50%), short terms (1-2 years), secured by Class A & B properties.
- 1st Cast Opportunity Fund
- Magellan Fund
- Second Orchard LLC
- Portfolio Management Program
- JCAP Endowment
- Cash Reserves
Products and services
- Cash Out Refi Loan Program Equity-based real estate bridge loan program for borrowers, with loan amounts from $30k to $5M and a maximum LTV of 65%, covering SFR, multifamily, and commercial property types.
- Rate & Term Refi Loan Program Real estate refinance loan program with loan amounts from $30k to $5M, maximum LTV 65% and ARV 65%, recourse required, minimum FICO 480, available nationwide across SFR, multifamily, and commercial property types.
- Multi-Family Bridge Loan Program Bridge financing program for multifamily properties with loan amounts from $250k to $5M, recourse required, minimum FICO 650, available nationwide.
- Commercial Loan Program Commercial real estate loan program with loan amounts from $250k to $5M, interest rates starting at 11.25%+, maximum LTV/ARV 65%, recourse required, minimum FICO 620, available nationwide for multifamily and commercial properties.
- Fix and Flip Loan Program Short-term loan program for real estate investors acquiring and renovating properties for resale, distributed through Jcap's broker channel program guidelines.
- DSCR Loan Program Debt Service Coverage Ratio (DSCR) based loan program for investment properties, offered through Jcap's broker program channel.
- JCAP Fixed Income Fund Alternative investment fund that purchases short-term real estate loans with low loan-to-values (under 50%) and 1–2 year terms, secured by Class A & B properties. Designed for fixed-income investors seeking conservative, collateralized returns.
- 1st Cast Opportunity Fund High-yield short-term mortgage fund providing accredited investors access to bridge loans secured by low-leveraged real estate, targeting superior risk-adjusted returns with collateralization.
- Magellan Fund Alternative investment fund seeking above-market returns through non-performing notes backed by real estate, discounted real estate-backed notes, and distressed real estate assets.
- Cash Reserves Program Conservative investment program offering 4% APY with a 30-day hold period, accommodating IRA funds and providing priority placement in longer-term Jcap investment initiatives.
- Second Orchard LLC Investment program operational since 2018, distributing fixed 8% monthly returns with a $100,000 minimum investment, principal protection strategy, and IRA-eligibility.
- Portfolio Management Program Tailored investment program for qualified investors and families with assets exceeding $10 million, featuring a customized Investment Policy Guideline (IPG), a 2% management fee, a 2-year hold period, and flexible monthly, quarterly, or annual distributions. IRA-eligible.
- JCAP Endowment Program Conservative investment program for non-profits and endowments, including family foundations and donor-advised funds, offering a fixed yield with zero management fees to support ongoing philanthropic operations through the One Big Gift initiative.
Quantifiable outcome
- Closings can be completed in as little as 5 days
- +1 more outcomes
Companies that use Jcap Private Lending
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Jcap Private Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Jcap Private Lending partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- Angel House OrphanageminorPhilanthropic partner participating in the One Big Gift initiative. This initiative assists philanthropic organizations in creating ongoing, reliable support for their charitable agendas by providing a structured approach to philanthropy that ensures reliable monthly cash flow.
- 88:1 Music Education EndowmentminorPhilanthropic partner participating in the One Big Gift initiative for music education support. The program enables donor-advised funds and endowments to receive consistent monthly distributions.
- Jews for JesusminorReligious nonprofit organization participating in the One Big Gift initiative. The program supports their charitable mission through structured endowment investments providing fixed yields.
- Three-Strikes EndowmentminorNonprofit organization participating in the One Big Gift initiative. The program helps establish endowments for ongoing charitable support through reliable investment vehicles.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Jcap Private Lending competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Jcap Private Lending social profiles
Digital presenceJcap Private Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jcap Private Lending leadership team
Management profileNumber of profiles
Profiles5 records
Jcap Private Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jcap Private Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Jcap Private Lending
What does Jcap Private Lending do?
Jcap Private Lending originates and funds short-term, real estate-secured bridge loans ranging from $30k to $5M for real estate investors, developers, and mortgage brokers nationwide, with loan amounts determined primarily by property value (asset-based underwriting) rather than borrower credit. It also operates private alternative investment funds (Fixed Income, 1st Cast Opportunity, Magellan) and structured investment programs (Cash Reserves, Second Orchard LLC, Portfolio Management, JCAP Endowment) that deploy investor capital into these low-LTV real estate loans. Closings can be completed in as little as five days.
Is Jcap Private Lending a public or private company?
Jcap Private Lending is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Jcap Private Lending founded?
Jcap Private Lending was founded in 2014. It employs 11 to 50 people.
Where is Jcap Private Lending based?
Jcap Private Lending is headquartered in Costa Mesa, United States, in the North America region.
How does Jcap Private Lending make money?
One revenue line is on record: interest Income from Bridge Loans.
Does Jcap Private Lending have an API?
No public API is recorded for Jcap Private Lending.
What industry is Jcap Private Lending in?
Jcap Private Lending's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSAHAJAI, Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like), with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6162.