GOLD LENDER
Golden Capital Group, Inc. is a private money lender located in California and Oregon. We are a direct residential and commercial lender that originates, underwrites and funds first and second mortgages secured against Real Estate. We conduct business in the states of California, Oregon and Washington. Our business strategy is simple. We offer fast friendly service to all our customers while providing great returns with 100% transparency to our investors.
GCG Fund 1, LLC is a private closed-in debt fund which provides capital for transactions which are originated by Golden Capital Group, Inc. Since the funds inception, we’ve had year over year success in originating and funding trust deeds with solid, competitive returns. James Golden is the broker of record for Golden Capital Group, Inc. and the managing member of the fund.
Golden Capital Group does not run a construction or renovation draw process, because it is a trust deed lender rather than a fix and flip or ground-up construction lender. Golden originates first and second trust deed mortgages and funds them from an in-house source, so its capital is deployed at closing against the secured property rather than released in stages as a build or rehab progresses. There is no draw request method, inspection process, draw schedule, or per-draw turnaround published on its site, and none would be expected for this loan type.
On speed, the company issues a Letter of Intent within two to three hours, completes most loans in about 10 working days (as quickly as 5 days), and funds within 24 hours of receiving signed documents back from escrow. Investors who specifically need draw-funded rehab or construction financing will find Golden a better fit for trust-deed-secured bridge deals than for a phased draw program.
Golden Capital Group, Inc. is a direct private money lender and trust deed investment provider, originating first and second trust deed mortgages on residential and small-balance commercial property in California, Oregon, and Washington.
• First and second trust deed mortgages for real estate investors, funded from an in-house source.
• Residential and small-balance commercial property, on an asset-based, common-sense underwriting approach.
• A Letter of Intent is issued within two to three hours of a complete inquiry, with the full process typically taking about 10 working days.
• Golden Capital does not publish leverage figures (LTV, LTC, or ARV) or construction and rehab draw programs. This is a trust deed lender rather than a fix and flip or ground-up construction draw lender.

Golden Capital Group, Inc. is a direct private money lender and trust deed investment provider headquartered in Newport Beach, California, with a second office in Bend, Oregon. It originates first and second trust deed mortgages on residential and small-balance commercial property in California, Oregon, and Washington. The firm is a member of the California Mortgage Association and holds California BRE license 01500022 and NMLS IDs 1672708 and 370928.
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.