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The Golden State
Lending in California

Capital for real estate operators in California.

Capital for investors across the Golden State — coast to inland empire.

Capital
Sacramento
Largest City
Los Angeles
Population
~39.1M
Region
West
About California

The market we know.

California is the largest state economy in America and the fifth-largest in the world. Coastal markets (LA, SF, San Diego) trade at premium values; the Inland Empire, Central Valley, and Sacramento offer operator-friendly basis with strong cash flow.

Matrix funds fix-and-flip across the Inland Empire and Sacramento, DSCR rentals statewide, ground-up construction in fast-growing inland markets, and bridge financing on small-balance multifamily.

Top Markets

Where Matrix is most active in California.

The major metros and submarkets where we structure capital across every operator strategy.

Los Angeles Metro

World's entertainment capital plus diverse economy; vast operator opportunity.

Bay Area

Tech wealth with rental scarcity; specific submarkets offer real operator value.

San Diego

Biotech, military, and tourism; reliable rental demand.

Inland Empire

Riverside / San Bernardino — affordable basis with strong cash flow for the Pacific time zone.

Sacramento

State capital with affordable basis; strong appreciation as Bay Area buyers migrate east.

Central Valley

Fresno, Bakersfield, Stockton — ag economy with affordable rental markets.

Orange County

Newport, Irvine, Huntington Beach — premier coastal market.

San Jose

Silicon Valley anchor with tech-driven rental dynamics.

Iconic California

The landmarks, the culture, the places that make this state home.

Because lending well anywhere requires knowing the place — not just the comps.

Golden Gate Bridge

San Francisco's defining landmark and one of America's most photographed structures.

Hollywood Sign

LA's most iconic landmark.

Yosemite National Park

Half Dome, El Capitan — among the most-visited national parks.

Big Sur

Pacific Coast Highway's most dramatic stretch.

Lake Tahoe

Year-round mountain STR market shared with Nevada.

Disneyland

Anaheim's economic anchor and OC tourism driver.

Yosemite Falls

North America's tallest waterfall — Yosemite Valley's anchor.

Joshua Tree

Iconic desert landscape and STR destination.

Why We Lend Here

The Matrix approach in California.

California's scale and diversity mean the right operator strategy can work in nearly every submarket. Matrix funds where basis discipline meets real opportunity — primarily inland and Northern California.

Have a deal in California?

Bridge, DSCR, hard money, fix-and-flip, construction — Matrix funds investment property loans across California on 7–14 day close.

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