PACT Capital, 8050 N Palm Ave Suite 100 (2026)

08/07/2025

PACT Capital is pleased to announce that we have arranged $2,370,000 in acquisition financing for a 32-unit value-add multifamily property located in California’s Central Valley.

The transaction was for an existing customer who has come to rely on the firm to assist in identifying value-add opportunities from both the acquisition and financing standpoint. Beyond arranging the financing, identified the property as a potential acquisition that fit the customer's investment profile, then underwrote the metrics and presented it as a value-add opportunity that complements the client’s acquisition strategy. This transaction is representative of how end-to-end solutions at PACT Capital deliver for our relationship-based customers.

The loan was structured as a hybrid 10-year term with the first 5 years fixed and then converting to a floating rate option with an initial advance rate of 64% loan-to-value (LTV) ratio and included a flexible prepayment structure to support long-term optionality after the improvements have been completed and NOI improved.

If you are seeking a lending relationship to help with your investment real estate capital needs, who brings more than just capital to the table- Let's talk!

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PACT Capital is an investment management firm focused on providing agriculture and commercial real estate credit.

18/06/2025

PACT Capital is pleased to announce that we have provided $11,000,000 in acquisition financing secured to a 638-acre pistachio orchard located in Fresno County. The competitive financing was structured as a 20-year term with the first 24 months of Interest-Only, tailored to provide our borrower with a couple years to improve the new orchard’s cashflow as it enters its prime production years.

Of the total acreage, 610 acres are planted to pistachios with a weighted average age of 8th leaf. The orchard is already demonstrating strong yield potential, making it a valuable addition to our borrower's pistachio portfolio.

PACT Capital delivered a tailored structure that strikes a balance between stability and flexibility, including a competitive interest rate, with no prepayment penalty, and the initial Interest-Only payment period. This provided the borrower the flexibility to manage this asset, while keeping an eye on interest rates in the next 12 to 36 months if there is an opportunity to refinance and reduce their cost of capital from today's elevated interest rate environment.

This transaction reflects the nuanced reality of today's California agricultural market--where interest rate volatility, regulatory pressure, and shifting commodity cycles demand a more innovative and adaptive approach to ag finance. At PACT Capital, we take pride in understanding these complexities and crafting capital solutions that help farmers and investors navigate uncertainty and continue to grow.

To learn more about our customized agricultural lending strategies and financing, please contact our team today.

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PACT Capital is an investment management firm focused on providing agriculture and commercial real estate credit.

28/05/2025

PACT Capital is pleased to announce the closing of a $2,300,000 conventional loan secured to an 88-acre citrus orchard in Tulare County. The competitive financing was structured as a two-note credit facility to support the ongoing development of a young citrus orchard expected to reach full maturity within the next five years.

Note A was structured as a cash-neutral refinance with a loan-to-value (LTV) of 64%, with Note B as a set of multi-tranche delayed-draw notes to cover annual cultural costs as the orchards enter economic maturity. The loan features an interest-only period along with a flexible set of delayed draw notes with no minimum utilization costs for unused commitments.

Located within a strong micro-climate and stable irrigation district, the property is planted with a young mix of citrus varieties, offering strong long-term production potential.

Special mention to Timothy Murray of The Murray Ag Real Estate Team, who trusted the firm to deliver a market-leading cost of capital program aligned with the unique needs of this permanent crop asset and needs of the sponsorship. This transaction demonstrates the value of broker-lender collaborations and working relationships.

As demand for flexible and dependable capital solutions continues, PACT Capital remains committed to supporting California agriculture with competitive and customized financing structures tailored to every stage of the crop lifecycle.

Have a deal you’d like to discuss? Contact our team today to learn more about our competitive rates and tailored loan products.

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PACT Capital is an investment management firm focused on providing agriculture and commercial real estate credit.

01/05/2025

PACT Capital is pleased to announce that we have provided $3,355,000 in acquisition financing secured to a +/- 139.6-acre orchard in the Central Valley consisting of desirable citrus varieties located in a strong and stable irrigation district.

The loan was referred to PACT by the real estate transaction sales team after a prior lender was unable to secure a loan approval for the borrower. PACT was able to secure a full underwriting package and loan approval in just 7 business days and then closed the loan within 35 days, ultimately saving the borrower's hard deposit and allowing them to acquire the choice orchard. Special mention to the deal team, Connor Haubursin, Lilia Mendoza, Joseph Tow, and Nathan Chang, for how fast they were able to move into underwriting and, render a loan approval and close on time.

The credit facility was set up as 55% loan-to-value (LTV) at origination, with no prepayment penalty. Our competitive structures are designed to give the borrower the utmost flexibility for the duration of their ownership. In addition to the expedited timeline, the loan structure was customized to align with both near-term cash flow considerations and long-term capital improvement plans.

As consolidation continues in the agricultural space and borrowers seek capital partners who understand the complexities of permanent crop investments, PACT Capital continues to deliver market-leading financing solutions that evolve with the needs of today's farmers, orchardists, and agribusinesses.

Connect with our team today to learn how PACT Capital can support your orchard acquisition, refinancing, or development projects. We're proud to support your growth today, tomorrow, and for future generations.

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PACT Capital is an investment management firm focused on providing agriculture and commercial real estate credit.

18/04/2025

California agriculture has long been a cornerstone of the American economy, but the landscape is shifting behind the rows of orchards and vineyards.

Labor challenges, evolving water regulations, and growing uncertainty in global trade are creating both complexity and opportunity.

At Global AgInvesting 2025, Tyler Shegerian will explore what’s next in his "California Agriculture: Strong Fundamentals and an Opportunity for Private Credit" presentation.
📅 April 23 | 🕣 9:50–10:10 AM ET
📍 Ballroom, New York Hilton Midtown

Tyler will delve into why California’s agriculture sector, despite headline challenges, continues to show strong fundamentals, and how private credit can play a powerful role in supporting its future.

Pact Capital’s Adam Mortanian and Joseph Tow are joining him at the event and are eager to connect with those interested in how agriculture, natural capital, and innovative financing intersect.

📩 To schedule time with our team, reach out to them via cell or email!

15/04/2025

PACT Capital is pleased to announce that it has provided $13,500,00 in structured financing for a pistachio orchard development secured to 912-acres located in one of Northern California's premier growing regions with strong water availability.

Sponsorship was referred to PACT Capital for development financing, which is a structure and loan offering that has become harder to accomplish in the market. PACT remains bullish on California agriculture and new developments and was able to structure and provide a facility with advance rates that met the borrower's short and long-term plans for the orchard development.

The development financing was structured as a two-note facility to provide a greater advance rate on the long-term mortgage coupled with a floating rate development loan at +/- 62% loan-to-value (LTV). The competitive long-term mortgage financing was a fixed rate, with no prepayment penalty structure, and the floating rate development loan provides the multiple years of liquidity required to get through development with no minimum utilization charges on the outstanding commitment.

Despite the current stressors in the agriculture finance market, PACT Capital remains dedicated to its commitment to supporting permanent and row crop producers. We offer best-in-class loan structures, expert analysis, and tailored financing strategies that reflect the evolving dynamics of the market.

To learn more about how PACT Capital can support your orchard acquisition, refinancing, or expansion plans, connect with our team. We are here to help you grow- today, and for seasons to come.

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PACT Capital is an investment management firm focused on providing agriculture and commercial real estate credit.

31/03/2025

PACT Capital is pleased to announce it has provided $1,700,000 in acquisition financing for an 80-acre almond orchard located in one of the most preeminent irrigation districts in the Central Valley. The financing was provided to assist the borrower’s continual expansion into the almond market.

Purchase transactions often carry ex*****on risk, but our firm was able to underwrite, analyze, and close the transaction on schedule with the purchase agreement. This certainty of ex*****on is what borrowers have come to rely on by partnering with PACT Capital.

The orchard is planted in a varietal mix of Nonpareil and Monterey almonds and is situated in one of California's most reliable and established water districts. The borrower required a financing solution that offered both certainty and flexibility while securing a premium permanent crop asset.

PACT provided a +/- 54% LTV loan with no prepayment penalty, ensuring a flexible and competitive cost of capital, along with room for long-term operational planning.

While agricultural capital markets remain constrained due to tighter credit policies, inflationary pressures, and volatile commodity prices, PACT Capital remains committed to supporting permanent crop producers across the state with industry-leading loan structures and competitive market rates.

Contact our team today to learn more about what a relationship with PACT Capital can do for your agricultural finance needs.
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PACT Capital is an investment management firm focused on providing agriculture and commercial real estate credit.

08/03/2025

The 2nd PACT Capital Pickleball Tournament was a huge success!

A big thank you to everyone who came out and competed.

We'll be back in June—stay tuned for details, and let us know if you want in! 🎾🔥

24/02/2025

PACT Capital is attending the 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗣𝗶𝘀𝘁𝗮𝗰𝗵𝗶𝗼 𝗚𝗿𝗼𝘄𝗲𝗿𝘀 𝗔𝗻𝗻𝘂𝗮𝗹 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗶𝗻 𝗠𝗼𝗻𝘁𝗲𝗿𝗲𝘆, 𝗖𝗔!

Join us from 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟰-𝟮𝟲 at the 𝗠𝗼𝗻𝘁𝗲𝗿𝗲𝘆 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗖𝗲𝗻𝘁𝗲𝗿 as we join other industry leaders and growers to discuss pistachios.

Contact Tyler Shegerian, Adam Mortanian, Joseph Tow, and or Connor Haubursin to connect and schedule a meeting while our team is there!

20/08/2024

PACT Capital is pleased to announce the closing of a small balance $507,500 acquisition loan secured to a 3,775 square foot single-tenant office building located in Visalia, CA. The acquisition is part of a larger land assemblage for the borrower.

While office properties continue to experience continual challenges from prolonged vacancy and remote work, PACT Capital was able to structure a competitive long-term financing solution. Our team secured a 70% LTV with a 5-year fixed rate at 4.95%, offering flexibility in this evolving market.

TRANSACTION HIGHLIGHTS:
✅ 70% LTV
✅ 5 YEAR FIXED RATE
✅ 4.95% INTEREST RATE
✅ STEP DOWN PREPAYMENT

The subject property is strategically located within a well-established commercial area, surrounded by a diverse mix of retail, dining, and professional services, enhancing its long-term leasing potential. Additionally, its proximity to major transportation routes, including key highways and arterial roads, provides excellent connectivity and accessibility, further solidifying the property's appeal for tenants and investors alike.

Although the office asset class has faced challenges in securing financing recently, PACT Capital remains committed to providing tailored solutions and competitive financing, ensuring reliable ex*****on in any market cycle.

Contact our team today to learn more about what PACT Capital can do for you.

17/07/2024

PACT Capital is pleased to announce the closing of a $5,565,000 cash-out refinance loan secured by a 5.44-acre Truckstop located in La Porte, TX.

Our firm was able to strategically negotiate a competitive market rate loan structure with significant prepayment flexibility as the sponsors were in the process of ramping up the operation since taking ownership and have plans for expansion.

The property is strategically located within 1.6 miles of the Barbour's Cut Terminal, one of the world's busiest deep-water ports.

TRANSACTION HIGHLIGHTS:
✅ $5,565,000 LOAN
✅ 65% LTV
✅ STEP DOWN PREPAY
✅ 25 YEAR AMORTIZATION

As the trucking industry continues to face significant headwinds and increased volatility, PACT remains steadfast in our dedication to applying creative underwriting techniques that lead to success for our customers.

Our team understand the complexities of commercial financing relating to operating companies and the real estate they require to be successful.

Whether you're looking to acquire, refinance, construct a new project or recapitalize your balance sheet to improve and unlock short- and long-term working capital, our firm is ready to talk.

Connect with our team today to discuss why our clients chose PACT Capital as their preferred Real Estate Lending Relationship.

16/07/2024

The 2024 California Almond Objective Report came out last week!

The USDA Objective Report released the forecast for the 2024 crop, estimating it at 2.8 billion pounds which is 200 million pounds lower than the subjective report released in May.

As one of California’s premiere agricultural lenders, we remain long term and bullish for California almonds.

Call or email us today to learn more about our outlook and competitive programs available for almond orchards and borrowers throughout California.

Read More Here: https://hubs.ly/Q02GGRkm0

Monday	07:30 - 19:00
Tuesday	07:30 - 19:00
Wednesday	07:30 - 19:00
Thursday	07:30 - 19:00
Friday	07:30 - 19:00
Saturday	09:00 - 15:30

PACT Capital

08/07/2025

18/06/2025

28/05/2025

01/05/2025

18/04/2025

15/04/2025

31/03/2025

08/03/2025

24/02/2025

20/08/2024

17/07/2024

16/07/2024

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