Blackburne & Sons Realty Capital

Name

Blackburne & Sons Realty Capital

Legal name

Blackburne & Sons Realty Capital Corporation

Website

https://blackburneandsons.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money / Private Mortgage Brokers (FSALABAH)

akta.pro secondary industries

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Real Estate Private Credit (CRE Debt) (FSANADAG), Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI)

Keywords

• Hard money lending
• Commercial mortgages
• Trust deed investments
• Real estate loans
• Private money lending

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Loan Origination Points: Blackburne & Sons charges 2–4 points (loan origination fees) on each commercial mortgage loan closed. Points are deducted from loan proceeds at closing.
2. Loan Servicing Fees: Revenue is generated from loan servicing fees charged to private investors. The company states it makes its money on loan servicing fees charged to its private investors, allowing it to offer longer loan terms (15 years) with no prepayment penalties at competitive rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Blackburne & Sons originates hard money commercial first mortgages and bridge loans on standing income-producing commercial properties (including multifamily, office, retail, industrial, mixed-use, self-storage, hotels, and land) in amounts from $100,000 to $2 million nationwide, with 15-year terms, 30-year amortization, and no prepayment penalty. On the capital side, the company syndicates groups of accredited private investors to fund those loans through fractionalized first trust deed investments starting at $10,000 per deal, earning 8% to 12% monthly interest. Loan origination (2–4 points) and ongoing loan servicing fees charged to investors are the primary revenue sources.

Product overview

Blackburne & Sons Realty Capital operates as a $50 million hard money commercial lending company offering two primary service lines: (1) commercial real estate lending through hard money loans, first mortgages, bridge loans, and land loans; and (2) first trust deed investment syndication for accredited investors. The company also operates C-Loans.com, a commercial mortgage portal aggregating 750 lenders, and manages Blackburne & Brown Mortgage Fund II as a mortgage investment fund. The lending products feature 15-year terms with no prepayment penalties, while the investment products offer 7% to 12% scheduled yields paid monthly.

Differentiator

Problem solved

Functional benefit

Products and services

• Hard Money Commercial Lending First mortgage and bridge loan financing on income-producing commercial properties ranging from $100,000 to $2,000,000 nationwide, with 15-year terms, 30-year amortization (on properties under 50 years old), no prepayment penalty, and interest rates of 10.9%–11.9% in California and 12.9%–14.9% outside California. Available to commercial property owners and developers who do not fit traditional bank underwriting.
• First Trust Deed Investments Fractionalized first mortgage investment opportunities in which accredited private investors purchase $10,000 to $25,000 increments of commercial first mortgages originated by Blackburne & Sons. Loans are secured by first mortgages on income-producing commercial real estate with title and fire insurance; yields of 8%–12% (typically 9%–11%) paid monthly. First-time investors can 'test drive' with $5,000.
• Commercial Real Estate Loans (First Mortgages and Bridge Loans) Loan products from $100,000 to $2 million for first mortgages or bridge loans in first mortgage position on standing commercial properties including rental homes, apartment buildings, office, retail, industrial buildings, and mixed-use properties, available nationwide.
• Land Loans Vacant land financing with loan-to-value ratios of 25% to 50% (typically 40%), available nationwide for vacant land parcels as part of the company's commercial loan offerings.
• Blackburne & Brown Mortgage Fund II Limited partnership mortgage investment fund that achieves diversification by investing in fractionalized commercial first mortgage loans originated by Blackburne & Sons. Functions as a pooled successor to the original $26 million Blackburne & Brown Mortgage Fund I.
• C-Loans.com Commercial Mortgage Portal Commercial mortgage portal aggregating loan rates from 750 different commercial mortgage lenders. Borrowers fill out one mini-application and submit to multiple lenders simultaneously; C-Loans charges lenders 0.375%–0.5% at closing. Owned by George Blackburne III and operated under the Blackburne Family of Companies.

Quantifiable outcome

• Loans yield 8%–12% interest for investors, with typical deal yielding 9%–11%
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• C-Loans, Inc.coreOthersC-Loans.com is a commercial mortgage lender portal containing the loan rates of 750 different commercial mortgage lenders, owned by George Blackburne, III (same owner as Blackburne & Sons). Borrowers can fill out one mini-application to approach 750 lenders six at a time. C-Loans charges lenders 0.375%–0.5% when a deal closes. Blackburne & Sons benefits from superior deal flow visibility through this platform, seeing far more loan applications than competitors.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Anchor Loans: One of the largest private hard money lenders in California, offering short-term bridge and fix-and-flip loans on residential and commercial property. Comparable to Blackburne & Sons as a California-anchored private lender serving non-bankable borrowers, though focused more on residential fix-and-flip rather than standing commercial property.
• Lima One Capital: National private money lender specializing in fix-and-flip, rental, and new construction loans for real estate investors. Comparable to Blackburne as a non-bank balance-sheet lender serving borrowers turned away by traditional institutions, with overlapping customer segments in commercial/investor property.
• LendingOne: Private direct lender offering fix-and-flip, new construction, and rental portfolio loans to real estate investors nationwide. Comparable to Blackburne as a non-bank alternative to traditional CRE financing, with overlapping customer base of property investors seeking fast, property-based underwriting.
• Gelt Financial: Private hard money lender focused on commercial real estate, originating first-lien loans on multifamily, retail, office, and mixed-use properties nationwide. Closely comparable to Blackburne in commercial hard money specialization, with similar LTV discipline and national reach from a single-office operating model.
• A10 Capital: Balance-sheet commercial real estate lender providing bridge and permanent financing for middle-market borrowers. Comparable to Blackburne in CRE lending focus and middle-market borrower profile, though A10 typically deploys larger institutional capital pools.
• CoreVest Finance: Private lender to residential real estate investors offering bridge and rental portfolio loans. Similar to Blackburne in targeting non-bankable real estate investors with property-based underwriting, though CoreVest is now owned by Redwood Trust and operates at substantially greater scale.
• RCN Capital: National private money lender offering fix-and-flip, rental, and commercial loans to real estate investors. Comparable to Blackburne in serving non-bankable borrowers with hard money capital, though RCN has a heavier focus on residential investor loans and operates at larger portfolio scale.

Emerging players

• Kiavi (formerly Patch of Land): Technology-enabled private real estate lender providing bridge financing to investors and developers. Comparable to Blackburne as an alternative to bank financing, but differentiated by a fully online application process and institutional capital backing rather than accredited-investor syndication.

Broad incumbents

• Arbor Realty Trust: NYSE-listed specialty finance company focused on commercial real estate lending and servicing, including multifamily, SFR, and mezzanine debt. Comparable to Blackburne in private CRE credit underwriting and loan servicing, though Arbor operates at institutional scale with a public capital base.
• JLL Capital Markets (JLL): Global commercial real estate services firm with a large capital markets platform originating and arranging debt financing across the CRE spectrum. Comparable to Blackburne at the broad industry level of commercial mortgage intermediation, though JLL operates at vastly greater scale and arranges rather than syndicate-balance-sheet loans.

Market position

Strengths2 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bosco-homes

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Blackburne & Sons Realty Capital