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California's Trusted Partner in Private Financing

70 years of real estate loan expertise

Who We Are

Herzer Financial by Socotra Capital

Since 1950, Herzer Financial has been a premier provider of private real estate loans in California. We offer efficient, flexible financing options for homeowners, contractors, and investors, including ground-up construction, fix-and-flips, major remodels, and more.

About Us
What We Offer

Capital When You Need It

Fund your real estate ventures with loans up to $3 million and flexible terms up to 5 years.

Who We Serve

Real People, Real Funds

We're a proven partner for borrowers, brokers, investors, and contractors.

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Creative funding solutions for borrowers with ongoing projects in need of completion
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Efficient funding options to expand broker client base and increase customer satisfaction
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Investment returns backed by the security of real estate
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Agile, accessible solutions for efficient construction financing
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What Sets Us Apart

The Herzer Advantage

Learn why we're California's premier private real estate lender.

About Us

Our Difference

Herzer Financial Banks
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Strong relationships with clients and a personalized, supportive lending experience
Herzer Financial Banks
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Construction loans for business ventures
Herzer Financial Banks
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Out-of-the-box underwriting for unique loan requests
Herzer Financial Banks
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Experienced problem solvers with a clear understanding of the construction process and its challenges
Herzer Financial Banks
Our Approach

How to Get Funded

Discover the step-by-step guide to our simple loan process.

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Step 1


Explore your financial needs and goals with our experts, ensuring a tailored approach to your unique circumstances.
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Step 2

Structure Transaction

Partner with one of our construction officers to ensure proper project structuring before construction begins.
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Step 3

Project Funding and Builder Vetting

Secure the necessary funds for your project, and carefully evaluate potential builders or contractors.
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Step 4

Loan Close

Finalize the loan transaction according to your specific terms and conditions via a seamless closing process.
Herzer Financial Blog

Lending Insights

Learn more about private real estate lending and how it can help you.

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Ready to Get Funded?

Apply Today!

Complete the form below. Our loan officer will be in touch shortly to discuss your options.