When a borrower’s agency financing fell through, Fidelity Bancorp Funding provided a solution. With higher leverage and fast, reliable execution, the sponsor overcame challenges to close on time and with confidence. 

The rise of private credit is opening new opportunities for investors and creating faster, more flexible financing for real estate borrowers.

At Fidelity Bancorp Funding, 2025 has been a year of strong momentum. By the end of Q2, our direct bridge fund had already surpassed its total 2024 origination volume. The question is whether the growth is the result of refined execution or the market shifting in our favor?

Charlie Woo, President of Fidelity Bancorp Funding, joined Lender Lounge with Kevin Kim to share his vision for private lending and how the company is positioning for long-term success in a changing market.

​From a swift bridge loan for a multifamily acquisition in North Carolina to a complex DSCR loan in Tennessee and strategic permanent financing for a retail redevelopment in California, these deals highlight the range of financing solutions we’re helping clients achieve in today’s market.

The U.S. multifamily sector is navigating its most turbulent market cycle since the Global Financial Crisis. A sharp correction in values, evaporating capital liquidity, and investor inertia have rippled across the nation. Yet, Southern California, long defined by regulatory headwinds and chronic undersupply, is emerging as one of the nation’s most resilient multifamily battlegrounds.

Even well-qualified borrowers can face unexpected setbacks when credit reports don’t align with expectations. In this quick-read, Fidelity Bancorp Funding’s Senior Loan Officer, Dillon Freeman, shares simple steps brokers and borrowers can take early in the process to protect deal momentum and avoid last-minute surprises.

The economy may appear steady, but key consumer data is starting to shift, rising unemployment claims, declining sentiment, and softening income trends are all worth watching. Dillon Freeman, Senior Loan Officer at Fidelity Bancorp Funding, breaks down what these signals mean for today’s borrowers and the real estate debt market.

Market shifts demand agility and insight, making the right financing partner more important than ever. Discover how our latest bridge and DSCR loan solutions empowered clients to adapt quickly, secure prime assets, and drive portfolio growth. 

Southern California’s industrial market is entering a period of rapid change, as new tariffs and shifting trade patterns reshape demand across the region. Vacancy rates are rising, tenant behavior is evolving, and investors are rethinking their strategies. We break down what’s driving the change—and how to stay ahead of it.

When opportunity strikes and a below market property becomes available, speed and liquidity are key. In a competitive market, delays can cost you the deal. One investor avoided that risk by using Fidelity Bancorp Funding’s 9.25% Bridge Program to move fast, keep cash available, and secure a high-potential property. Here’s how they did it—and how you can too.

Speed and certainty are everything in today’s market, making the right lending partner key to unlocking opportunity. Learn how the latest bridge, DSCR, and permanent loan closings helped clients act fast, seize opportunities, and grow their portfolios. See what’s possible when expertise meets action!

There’s a surge in capital availability right now, but it won’t last long. What’s driving this trend, and why should you act quickly? With shifting market conditions, savvy investors are jumping in before the next change. To help you stay ahead, we’re excited to offer our new 9.25% bridge loan program, designed to help you secure opportunities fast.

Fidelity Bancorp Funding now offers bridge loans starting at 9.25%! Bridge loan spreads have compressed providing a short-term borrowing opportunity.

In today’s market, certainty and execution are everything. Investors are still closing smart, stable deals and the right financing partner can make all the difference. This month, we’re sharing examples of permanent loans that helped clients expand their portfolios across a range of property types and markets. These recent closings show what’s achievable when experience meets opportunity.

The market is shifting, and investors who move early are gaining the edge. In this issue, we’re breaking down two must-know trends: the lingering fallout from the Silicon Valley Bank collapse, and three costly mistakes multifamily investors are still making.

We’re also sharing how smart use of bridge financing is helping investors overcome tighter lending conditions, rising insurance costs, and tough rent control headwinds in California.

Smart investors are closing fast and winning big in today’s multifamily market. These three recent bridge loan deals show how speed, flexibility, and the right financing make all the difference. From bridge loans to permanent financing, our team continues to close deals that empower our clients to seize opportunities with confidence. Ready to see what your deal could look like?

This month, we're diving deep into the current California lending landscape with our exciting new 9.25% bridge loan program for multifamily properties. We'll also unpack the latest capital markets dynamics, including treasury movements and emerging trends in apartment market absorption that are reshaping investment strategies.

The idea that a majority of investors plan to buy at least as much real estate in 2025 as they did in 2024 is interesting because the main reason deals didn’t work last year was pricing and deal-level economics, according to Dillon Freeman, CFA, senior commercial loan officer at Fidelity Bancorp Funding.

“Lending spreads have come in, but I am not sure they will be enough to result in meaningful increases in volume, all else equal,” he told Commercial Property Executive.

Freeman said this would suggest that investors expect sellers to capitulate, or there will be more of the same for 2025. Interestingly, the five-year U.S. Treasury stands today exactly where it did a year ago. “Despite rising cap rates, many people would agree that we have not yet seen a new mark-to-market for commercial real estate assets across the board due to the depressed transaction volume we have seen since 2023.”

We’re thrilled to highlight a few recent closings that reflect our dedication to fast, smart, and smooth financing solutions for both commercial and residential properties. Take a look at some of the newest successes from the Fidelity team: