Pacific Business Capital
Pacific Business Capital Corporation is a private, California-based direct lender founded in 1989 that provides short-term secured commercial real estate bridge loans of $500,000 to $3,000,000+ at 7-12% fixed interest to commercial and industrial companies and individual real estate investors across the United States.
- Company typePrivate
- Founded1989
- HeadquartersCosta Mesa, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Pacific Business Capital does
Pacific Business Capital Corporation (PBCC) is a privately held, California-incorporated direct lender founded in 1989 and headquartered at 245 Fischer Ave., Suite A-1, Costa Mesa, California. The company specializes exclusively in short-term secured commercial real estate bridge loans, providing financing of $500,000 to $3,000,000+ for 1 to 3 year terms at fixed interest rates of 7% to 12%. Loans are recourse obligations secured by priority liens on commercial or industrial properties and are structured as either interest-only or amortizing with a balloon payment. Additional fees may include origination, document preparation, due diligence, and legal fees, with no prepayment penalty after six months and a maximum loan-to-value of 65% of current property value.
PBCC serves two primary customer segments: commercial and industrial companies and individual real estate investors. Use cases span acquisition financing, 1031 exchanges, partner or principal buyouts, recapitalizations, rehabilitation and renovation projects, refinances, and quick closings. Eligible property types include special purpose, mixed use, healthcare and skilled nursing, hospitality, light industrial, warehousing, self-storage, office, retail, and multifamily assets, with lending activity conducted nationwide across the United States. The company holds a California Department of Corporations Commercial Finance Lender's License (#6032170) that authorizes its lending activity.
The go-to-market model is direct-to-consumer, with no broker intermediaries. PBCC reaches borrowers through phone-based outreach (800-916-3280 and 714-957-0755), email ([email protected], [email protected]), and website inquiry forms, with funding decisions typically communicated by the next business day. Key personnel referenced include Mark Witt and Dianna Dodge. The company has approximately 1-10 employees, operates without disclosed institutional backing, and has no public revenue, funding history, or technology platform beyond a standard website and an external loan servicing portal.
Pacific Business Capital firmographics
Firmographics- Name
- Pacific Business Capital
- Legal name
- Pacific Business Capital Corporation
- Website
- https://pbcc.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pacific Business Capital Corporation is a private, California-based direct lender founded in 1989 that provides short-term secured commercial real estate bridge loans of $500,000 to $3,000,000+ at 7-12% fixed interest to commercial and industrial companies and individual real estate investors across the United States.
- Ownership category
- akta.pro rank
Pacific Business Capital industry classification
Industry- Product category
- Commercial Real Estate Bridge Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Pacific Business Capital is headquartered
LocationHeadquarters
- HQ city
- Costa Mesa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pacific Business Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Bridge Loan Interest: PBCC earns interest income on bridge loans with fixed rates ranging from 7% to 12%. Loans are structured as 1 to 3 year terms, may be interest-only or amortizing with a balloon payment, and are secured by commercial or industrial properties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Standard Bridge Loan: $500,000 to $3,000,000+ |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Pacific Business Capital product offering
Product offeringCore offering
Pacific Business Capital Corporation is a direct (non-broker) lender that provides short-term secured commercial real estate bridge loans to commercial and industrial companies and individual real estate investors. Loan sizes range from $500,000 to $3,000,000+, terms run 1 to 3 years at fixed interest rates of 7% to 12%, and the loans are recourse, secured by priority liens on commercial or industrial properties nationwide. The product supports acquisitions, 1031 exchanges, recapitalizations, partner/principal buyouts, refinances, and property rehabilitations across diverse property types.
Product overview
Pacific Business Capital Corporation (PBCC) operates as a direct lender offering a single core product: Short Term Secured Commercial Real Estate Bridge Loans. The company provides financing amounts ranging from $500,000 to $3,000,000+ with loan terms of 1 to 3 years, secured by commercial or industrial properties nationwide. Their bridge loan product supports various transaction types including acquisition financing, 1031 exchanges, recapitalization, rehabilitation and renovation, partner/principal buyouts, and refinances. PBCC is not a broker—borrowers work directly with the professionals making lending decisions. The company has been serving the financial needs of commercial and industrial companies for over 25 years since its founding in 1989.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Real Estate Bridge Loans Short-term secured commercial real estate bridge loans providing $500,000 to $3,000,000+ in financing for 1 to 3 year terms, secured by commercial or industrial properties nationwide. Loans feature 7% to 12% fixed interest rates, are recourse with priority security on the property, and may be interest-only or amortizing with a balloon payment. Use cases include acquisition financing, 1031 exchanges, partner/principal buyouts, recapitalizations, rehabilitation and renovation, refinances, and quick closings across property types such as special purpose, mixed use, healthcare/skilled nursing, hospitality, light industrial, warehousing, self-storage, office, retail, and multifamily.
Companies that use Pacific Business Capital
Customer profileSegments3 records
Ideal customer profiles2 records
Pacific Business Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Pacific Business Capital partnerships and signals
Strategic signalScale indicators4 records
Recent moves3 records
Expansion highlights2 records
Pacific Business Capital competitors and assessment
Company assessmentDirect peers
- Asset Avenue: A private CRE bridge lender providing short-term, asset-secured loans for commercial property acquisitions. Comparable in direct-to-borrower model, recourse terms, and asset-based underwriting approach.
- LendingOne: A direct lender offering bridge and rental loans secured by residential and small commercial properties. Comparable in business model and target borrower profile, though with somewhat larger balance sheet capacity.
- CoreVest Finance: A direct lender specializing in bridge loans for residential real estate investors. Comparable to PBCC in its asset-based, short-term, recourse lending approach, though CoreVest skews more toward SFR investors.
- Emerald Creek Capital: A privately held CRE bridge lender providing short-term, senior-secured loans to commercial real estate investors. Comparable in direct lending approach, product structure, and target customer segment.
- Roc Capital: A direct CRE bridge lender focused on short-term, asset-based loans for commercial property acquisitions and refinances. Comparable in lending model, ticket size, and national reach.
- Lima One Capital: A direct CRE bridge lender offering short-term, asset-based loans secured by residential and commercial properties. Highly comparable to PBCC given its focus on speed, direct-to-borrower distribution, and similar ticket sizes.
- NewSilver (New Silver Capital): A private CRE bridge lender focused on fix-and-flip and rental property loans. Comparable in direct lending model, short-term structure, and asset-secured position, though tilted toward residential investors.
- Cagwin Capital: A privately-held direct CRE bridge lender providing short-term, asset-based loans similar to PBCC. Closely comparable in product, ticket size, and target borrower (small commercial property investors).
- BridgeInvest: A direct CRE bridge lender offering senior-secured short-term loans to commercial real estate owners and investors. Comparable in product structure, recourse terms, and asset-based underwriting.
Emerging players
- Capital Float: An alternative lending platform offering secured business and commercial loans. While broader in scope, it overlaps with PBCC's SME bridge lending use cases, particularly in asset-backed working capital and term lending.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Pacific Business Capital social profiles
Digital presencePacific Business Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pacific Business Capital leadership team
Management profileNumber of profiles
Profiles2 records
Pacific Business Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pacific Business Capital 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 Pacific Business Capital
What does Pacific Business Capital do?
Pacific Business Capital Corporation is a direct (non-broker) lender that provides short-term secured commercial real estate bridge loans to commercial and industrial companies and individual real estate investors. Loan sizes range from $500,000 to $3,000,000+, terms run 1 to 3 years at fixed interest rates of 7% to 12%, and the loans are recourse, secured by priority liens on commercial or industrial properties nationwide. The product supports acquisitions, 1031 exchanges, recapitalizations, partner/principal buyouts, refinances, and property rehabilitations across diverse property types.
Is Pacific Business Capital a public or private company?
Pacific Business Capital is a private company. It is classified as unknown and is currently operating.
When was Pacific Business Capital founded?
Pacific Business Capital was founded in 1989. It employs 1 to 10 people.
Where is Pacific Business Capital based?
Pacific Business Capital is headquartered in Costa Mesa, United States, in the North America region.
How does Pacific Business Capital make money?
One revenue line is on record: bridge Loan Interest.
Who are Pacific Business Capital's main competitors?
Direct peers on record are Asset Avenue, LendingOne, CoreVest Finance, Emerald Creek Capital, Roc Capital, Lima One Capital, NewSilver (New Silver Capital), Cagwin Capital and BridgeInvest. Capital Float is listed as an emerging player.
Does Pacific Business Capital have an API?
No public API is recorded for Pacific Business Capital.
What industry is Pacific Business Capital in?
Pacific Business Capital's product category is Commercial Real Estate Bridge Lending. Its primary akta.pro industry code is FSABABAG, SME Commercial Real Estate (CRE) Lending. Its NAICS code is 522 and its SIC code is 6153.