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Canadian Capital Is Looking South: What It Means for Private Lenders

Over the past year, I have had more conversations than ever with Canadian private lenders asking a deceptively simple question: should we be looking at the United States? Five years ago, that question was relatively uncommon. Today, it comes up constantly—and for good reason....

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A long-exposure night shot of California's Interstate 5 cutting through a dense urban corridor

California’s 2020 legislative session produced two laws fundamentally altering foreclosure procedures for private lenders: AB 3088 and SB 1079. Enacted as COVID-19 relief measures, these ...

A California property standing exposed after foreclosure

When foreclosure sale proceeds fall short of the outstanding loan balance, private lenders face a critical decision: pursue the deficiency or write off the loss. ...

A capital formation strategy spread on a fund manager's desk equity, debt

The private lending industry experienced a pivotal reckoning during the market disruptions of 2020, exposing vulnerabilities in how many operators funded their origination pipelines. While ...

A CFL and DRE license application spread side by side on a California lender's desk scope of

For private lenders building a business in California, one of the earliest structural decisions is which licensing path to take. The two practical options are ...

A private lending appraisal and a BPO spread side by side LTV calculation annotated on each

Private money lending moves fast. While traditional bank financing can take weeks or months to close, private lenders often need to move within days. At ...

The Ninth Circuit opinion spread on a California lender's desk the pre-foreclosure injunction

California’s nonjudicial foreclosure system is designed to move efficiently, allowing lenders to enforce their security interests without the delays and costs of litigation. But borrowers ...

Ab 3088 California Tenant And Landlord Relief Act Legacy Impact - Geraci LLP

Understanding The Historical Context And Current Implications Historical Background: AB 3088 Enactment In August 2020, California enacted AB 3088, formally titled the Tenant, Homeowner, and ...

A document cancellation claim analysis spread on a litigation desk repayment rules annotated

When private lenders face litigation, plaintiffs in wrongful foreclosure and lender liability suits often include a cause of action to cancel written instruments — a ...

A construction site mid-project

Why Force Majeure Provisions Matter More Than Ever Recent global disruptions—from pandemics to supply chain breakdowns to natural disasters—have demonstrated the critical importance of carefully ...

A California title policy beside a recorded deed of trust the insured amount matching the loan

How Title Insurance Shields Private Lenders in California Real Estate Transactions For private lenders financing real property in California, title insurance represents one of the ...

A private lender's default accounting workpaper loan impairment analysis

When economic conditions deteriorate and borrower distress increases, private lenders frequently find themselves offering relief options through loan modifications—forbearance agreements, deferred payment arrangements, modified interest ...

A California residential property frozen mid-foreclosure

California foreclosure law underwent significant evolution with the In re Moon bankruptcy decision and subsequent legislative response through Senate Bill 1146. These developments fundamentally changed ...