Sterling Pacific Financial is a California-based private real estate credit platform providing structured debt solutions for residential and commercial real estate investors.

We specialize in first-position bridge lending, construction financing, and strategic capital solutions for value-add, transitional, and development projects throughout the Western United States.

Our approach blends disciplined underwriting with practical execution. We focus on:

• Asset-backed lending
• Short-term bridge and transitional capital
• Construction and renovation financing
• Strategic recapitalizations
• Private credit investment opportunities

Sterling Pacific works with experienced sponsors, developers, and operators who require certainty of execution, speed, and thoughtful structuring.

In addition to originating loans, we partner with high-net-worth individuals, family offices, retirement funds, and institutional capital sources seeking exposure to real estate-backed private credit strategies designed to prioritize capital preservation and risk-adjusted yield.

We believe there is more than one way to get a deal done — and our role is to structure the right one.

Sterling Pacific Financial

Org chart

Teams

Offices