Selling a business does not always mean walking away clean. This borrower had sold their business but retained ownership of the underlying real estate, a property on the Sonoma Plaza, and still carried a debt obligation that needed to be settled. The equity was there. What they needed was a lender willing to move quickly and structure the loan around the asset they held. Mayacamas Lending Inc. provided the capital secured by a first position deed of trust on the Sonoma Plaza property. The loan paid off the outstanding debt, resolved the obligation cleanly, and gave the borrower the clear footing they needed to move forward as a real estate owner without the weight of a lingering liability. The collateral was strong and the purpose was straightforward. That is exactly the kind of deal we are built for.

For one Sonoma County business owner, Merchant Cash Advance debt had become the business's biggest liability. Weekly draws from multiple short-term obligations were pulling cash out faster than the company could retain it, not because the business was failing, but because the debt structure was designed to work that way. Significant equity sat in a property while the operating business suffocated under high-cost debt that no conventional lender would touch. Mayacamas structured a real estate-secured bridge 1st and 2nd Deed of Trust loan using the borrower's property as collateral, retiring the MCA balance in full and replacing fragmented weekly draws with a single, predictable monthly payment. Monthly debt costs dropped by more than $18,000. The loan was never meant to be permanent. Now this business owner has a clear path back to conventional financing, giving the borrower the breathing room to get there.

For this project, we partnered with a local builder/flipper to finance both the purchase and renovation of this classic home full of early-1900s charm. The property featured three bedrooms, two baths, and roughly 1,590 sq ft of living space on a quiet corner lot near a neighborhood park. We provided 90% of the purchase funding and covered 100% of the renovation budget, including converting a detached shed into an ADU to create extra living or rental space. With this loan product, the builder was able to modernize the home, unlock meaningful value, and bring a versatile, updated property back to the market for tenants or future resale.