GOLD LENDER
ARV Finance is a San Diego-based hard money lender serving fix-and-flip real estate investors, describing itself as a lending partner to premier real estate investors and as built by investors, for investors. The company was founded by Neil Dutta, co-founder of Apollo Realty Investments, which was one of the largest fix and flip operators in San Diego. Having completed hundreds of renovation projects, Dutta built ARV Finance to partner with high-volume operators navigating the changing landscape of residential investing.
Beyond lending, ARV Finance positions itself as a growth partner. It offers investors access to its ARV Mastermind community and guidance across acquisitions, operations, and construction, with the goal of helping borrowers increase deal flow and improve construction quality, pricing, and timelines. The company is based in La Jolla, California.
ARV Finance highlights fast rehab draws, but the detail is limited. The only draw claim on its site is a client testimonial stating that the company releases rehab draws in about 24 hours, compared with the roughly one week the borrower says other lenders take. ARV Finance does not publish an official draw process, an inspection method (physical or virtual), a per-draw turnaround as a program standard, or a documentation checklist, and it does not publish a loan closing timeline.
For a fix and flip lender whose main advertised edge is draw speed, that leaves investors without a documented, repeatable process to plan around. Anyone relying on quick rehab reimbursements should confirm the draw steps, inspection method, and turnaround directly with ARV Finance before committing to a project timeline.
ARV Finance is a San Diego hard money lender focused on fix and flip and residential real estate investors, lending for business purposes only.• Fix and flip financing for residential real estate investors, concentrated in the San Diego area where the lender is based.
• Loans are made for business purposes only, not for personal, family, or household use, and are secured by investment property.
• The company operates under California Finance Lender license 60DBO-208416, based in La Jolla, California.
• ARV Finance does not publish leverage figures (LTC, LTV, or ARV), interest rates, loan terms, or a closing timeline on its site, so investors should request a term sheet directly for program specifics.
ARV Finance Inc. arranges business-purpose loans. Loans are for business purposes only and not for personal, family, or household use. Nothing represented on its website is a commitment to lend, and all loans must satisfy the lender’s underwriting guidelines and due diligence. Loan amounts, interest rates, and costs are for informational purposes only and are subject to change without notice at the lender’s discretion until a definitive agreement is executed.
ARV Finance Inc. operates under California Financing Law license CFL #60DBO-208416 and is located at 737 Pearl St. #208, La Jolla, CA 92037.
