Payette Financial is a direct private money lender specializing in financing difficult transactions that conventional lenders avoid. We also buy performing and non-performing commercial loans from third parties. We offer funds to borrowers in Idaho, Arizona, Colorado, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming (and possibly other states) in need of immediate capital.
We can provide money in as little a 10 days and will lend against almost any type of commercial property including: undeveloped and developed land parcels, commercial, industrial, retail, mixed-use, warehouse, self-storage, shopping centers, hotels, office and multifamily.
If you are currently involved or have been involved with a bankruptcy or foreclosure, Payette Financial is the lender for you. We can fund most types of real estate transactions including purchase, refinance, foreclosure and land development. We will consider construction financing on a case by case basis.
Payette Financial’s Loan Terms are flexible and tailored to each borrower’s specific situation. We offer loans as small as $25,000 up to $2,500,000. Our interest rates and loan terms are competitive. We work directly with our borrowers to tailor our loan to their needs. Poor credit is no problem. Our loan underwriting is based on the collateral pledged as security for the loan, not your credit score. See our on-line application to obtain a free quote.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154