Whether you’re flipping or building, having the right lender makes all the difference.
We’re built for speed, consistency, and investor-focused lending.
Verdict: Mostly accurate promotional claims, with some simplification.
The ad’s main points are broadly supported by the lender’s own FAQ and related pages, though the credit-score wording is more sales-oriented than precise.
Claim-by-claim breakdown
Accurate (96% confidence): Pacific Equity & Loan works with first-time real estate investors. Official FAQ and first-time investor page say they are committed to supporting first-time investors and regularly work with them.
Accurate (92% confidence): Pacific Equity & Loan can close loans in as fast as 5 to 12 business days. The FAQ states they can close in as little as 5–12 business days, and mentions a fastest closing time within 72 hours, while noting timing depends on documentation speed.
Accurate (88% confidence): Borrowers do not need a perfect credit score to get a hard money loan from Pacific Equity & Loan. Their FAQ says credit is not heavily relied on and lists a minimum credit score requirement, while another page says hard money loans can work even without perfect credit.