Real Estate-Backed Investing, Built on California Experience.
Established California Private Lending & Development Firm
Sterling Pacific Financial connects investors with private real estate lending opportunities backed by California property, disciplined underwriting, and decades of hands-on real estate experience.
Founded on a family legacy of building, restoring, financing, and operating real estate, Sterling Pacific Financial brings a practical, relationship-driven approach to trust deed investing and private lending.
1998
$1B+
CA
Established
Brokered / Arranged Loans
Focused
ORIGIN STORY
There was always a deal to be had, but financing limitations held us back.
From Central Coast property rehabilitation to private real estate lending, Sterling Pacific Financial's approach is grounded in practical experience and long-term relationships.
A family legacy shaped by real estate, craftsmanship, and access to capital.
Built From the Group Up
Built From the Group Up
A family legacy shaped by real estate, craftsmanship, and access to capital.
From Central Coast property rehabilitation to private real estate lending, Sterling Pacific Financial's approach is grounded in practical experience and long-term relationships.
There was always a deal to be had, but financing limitations held us back.
ORIGIN STORY
ORIGIN STORY
There was always a deal to be had, but financing limitations held us back.
From Central Coast property rehabilitation to private real estate lending, Sterling Pacific Financial's approach is grounded in practical experience and long-term relationships.
A family legacy shaped by real estate, craftsmanship, and access to capital.
Built From the Group Up
Sterling Pacific Financial supports investors seeking real estate-backed income opportunities and borrowers seeking responsive financing for California property transactions.
Two Sides of the Same Opportunity
WHO WE SERVE
Access private real estate lending opportunities designed for investors seeking income potential, portfolio diversification, and exposure to California real estate without directly owning or operating property.
Sterling works with real estate owners, developers, and operators who need practical, responsive financing for time-sensitive or specialized property opportunities.
For Borrowers
For Investors
OUR STORY
Built From the Ground Up
Sterling Pacific Financial's story begins before the company itself. The Fischer family’s roots in California real estate were shaped by hard work, construction, and firsthand experience with the challenges of accessing capital.
Josh Fischer’s grandfather, a Navy Seabee and union carpenter, helped lay the foundation for a family that learned real estate from the ground up — cleaning, repairing, rebuilding, and restoring properties across the Central Coast.
Today, Sterling Pacific Financial brings that same practical understanding to private real estate lending: knowing the property, understanding the borrower, protecting investor capital, and approaching each opportunity with discipline, creativity, and care.
Sterling Pacific’s story begins before the company itself. The Fisher family’s roots in California real estate were shaped by hard work, construction, and firsthand experience with the challenges of accessing capital.
Josh Fischer’s grandfather, a Navy Seabee and union carpenter, helped lay the foundation for a family that learned real estate from the ground up — cleaning, repairing, rebuilding, and restoring properties across the Central Coast.
Today, Sterling brings that same practical understanding to private real estate lending: knowing the property, understanding the borrower, protecting investor capital, and approaching each opportunity with discipline, creativity, and care.
A Practical Approach to Real Estate Lending
WHY STERLING PACIFIC FINANCIAL
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Our goal is to help investors understand how trust deed investing works before making a decision.
Investor Education First
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Local California Focus
Our work is grounded in California real estate, with a deep familiarity with the markets it serves.
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Hands-On Real Estate Knowledge
Sterling Pacific Financial's experience is rooted in real property, not just spreadsheets.
Every opportunity is reviewed with a focus on collateral, structure, risk, and investor protection.
Disciplined Underwriting
Every opportunity is reviewed with a focus on collateral, structure, risk, and investor protection.
Disciplined Underwriting
Hands-On Real Estate Knowledge
Sterling Pacific Financial's experience is rooted in real property, not just spreadsheets.
Whole & Fractional Notes
Invest in a specific loan secured by a specific property.
Sterling Pacific Financial offers private real estate investment opportunities through trust deed investments and mortgage pool strategies. The right option depends on each investor’s goals, desired diversification, liquidity needs, and preference for distributions or reinvestment.
Investment Opportunities
Participate in a diversified pool of private real estate loans.
Mortgage
Pools
INVESTMENT OPPORTUNITIES
Sterling
REIT
Invest in a professionally managed real estate portfolio focused on income-producing assets.
Case
Studies
Review examples of commercial, agricultural, development, and hospitality lending opportunities.