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About The SF Bay Area And Private Money Loans

The San Francisco Bay Area, also known simply as the Bay Area, is a populous region in Northern California that surrounds the estuaries of San Francisco, San Pablo, and Suisun Bay. The Association of Bay Area Governments defines the Bay Area as the nine counties that border the aforementioned estuaries: Alameda, Contra Costa, Marin, Napa, San Mateo, Santa Clara, Solano, Sonoma, and San Francisco. The Bay Area's main cities are San Francisco, San Jose, and Oakland making the San Francisco Bay Area the best spot for money lending services!

Quick Early History

The Bay Area's first archaeological evidence of human habitation dates back to around 10,000 B.C. (Coyote Hills Shell Mound) along the bay's shores, with evidence pointing to an even earlier settlement in Marin County's Point Reyes. The Miwokan and Costanoan Ohlone people, who lived in the Bay Area at the time of first European contact, may have descended from Siberian tribes who arrived around 1,000 BC by sailing across the Arctic Ocean and following the salmon migration. The Ohlone were divided into about forty tribes that lived in the lands surrounding San Francisco Bay and as far south as Point Sur near Monterey Bay.

Sir Francis Drake landed at Drakes Bay near Point Reyes in June 1579, making the first European claim to the area. Despite the fact that he claimed the region as Nova Albion or New Albion for Queen Elizabeth I, the English did not immediately follow up on the claim. A Spanish exploration party led by Sebastio Rodrigues Soromenho landed at Drakes Bay in November 1595 and claimed the region for Spain's King Philip II as Puerto y Baha de San Francisco.

The San Francisco Bay itself was undiscovered by Europeans until members of the Portolá expedition encountered it while trekking along the California coast in 1769, when the bay obstructed their continued journey north. A Spanish expedition led by Gabriel Moraga set out from the Presidio in 1806, traveling south of the bay and then east to explore the San Joaquin Valley.

Mexico gained independence from Spain in 1821, and the Bay Area became part of the Mexican province of Alta California, a period marked by ranch life and visiting American trappers. Mexico's control of the territory, however, would be brief, as a group of settlers occupied Sonoma Plaza in 1846 and declared the independence of the new Republic of California. The Mexican-American War began the same year, and American captain John Berrien Montgomery sailed the USS Portsmouth into the bay, seized San Francisco, then known as Yerba Buena, and raised the American flag for the first time over Portsmouth Square.


The discovery of gold in the American River by James W. Marshall in 1848 sparked the California Gold Rush, and within a half-year, 4,000 men were panning for gold along the river and earning $50,000 per day. The promise of fabulous riches quickly drew a stampede of wealthy people to Sutter's Mill. As laborers, clerks, waiters, and servants joined the rush to find gold, the Bay Area's population quickly dwindled, and California's first newspaper, The Californian, was forced to announce a temporary freeze on new issues due to labor shortages.


By the end of 1849, word had spread around the world, and thousands of newcomers flooded into the Bay Area on their way to California's interior, including the first large influx of Chinese immigrants to the United States. The gold rush was so intense that hundreds of ships were abandoned in San Francisco's ports as crews rushed to the goldfields. The unprecedented influx of newcomers stretched the fledgling government authorities thin, and the military was powerless to prevent desertions. As a result, numerous vigilante groups sprang up to maintain order, but many of them were tasked with forcibly relocating or killing local Native Americans, and by the end of the Gold Rush, two-thirds of the indigenous population had been killed.

Why Visit The SF Bay Area? Top 3 Attractions In The SF Bay Area

Are you thinking of planning a vacation, but don't know where to go? Why not visit the SF Bay Area? There are plenty of things to see and do in this beautiful area. Here are three attractions you won't want to miss:

1. Golden Gate Bridge

Address: Golden Gate Bridge, San Francisco, California, United States

The Golden Gate Bridge is a suspension bridge that spans the Golden Gate, a one-mile-wide strait that connects San Francisco Bay and the Pacific Ocean. The structure connects San Francisco, California (the northern tip of the San Francisco Peninsula) to Marin County, carrying both U.S. The strait is crossed by Route 101 and California State Route 1. It also carries pedestrian and bicycle traffic and is part of the U.S. Route 95 for cyclists. The bridge is one of the most internationally recognized symbols of San Francisco and California, having been named one of the Modern World's Wonders by the American Society of Civil Engineers. It was created in 1917 by engineer Joseph Strauss. The bridge was named after the Golden Gate Strait, which it spans.


The Golden Gate Bridge is described as "possibly the most beautiful, certainly the most photographed, bridge in the world" by Frommer's. When it opened in 1937, it was both the longest and tallest suspension bridge in the world, with a main span of 4,200 feet and a total height of 746 feet.



The primary reason why Joseph Strauss's first design was rejected was aesthetics. He resubmitted his bridge construction plan, adding details like lighting to outline the bridge's cables and towers. The American Institute of Architects ranked it fifth on its list of America's Favorite Architecture in 1999.


The bridge's official color is an orange vermilion known as international orange. The color was chosen by consulting architect Irving Morrow because it complements the natural surroundings and improves visibility of the bridge in fog.


The bridge was initially painted with a red lead primer and a lead-based topcoat, which was later touched up as needed. In the mid-1960s, a program to improve corrosion protection was launched, which involved stripping the bridge's original paint and repainting it with zinc silicate primer and vinyl topcoats. For air-quality reasons, acrylic topcoats have been used instead since 1990. The program was finished in 1995 and is now maintained by 38 painters who touch up the paintwork where it has become severely corroded. The bridge's painting is an ongoing maintenance task.


Ferry Service

Prior to the construction of the bridge, the only practical short route between San Francisco and what is now Marin County was by boat across San Francisco Bay. A ferry service began in 1820, with a regularly scheduled service starting in the 1840s to transport water to San Francisco.


The Sausalito Land and Ferry Company service, which began in 1867, grew to become the Golden Gate Ferry Company, a Southern Pacific Railroad subsidiary, and the world's largest ferry operation by the late 1920s. Southern Pacific's automobile ferries, which were once only for railroad passengers and customers, became very profitable and important to the regional economy. The ferry ride from San Francisco's Hyde Street Pier to Marin County's Sausalito Ferry Terminal took about 20 minutes and cost $1.00 per vehicle, a price that was later reduced to compete with the new bridge. The trip took 27 minutes from the San Francisco Ferry Building.


Many people wanted to build a bridge connecting San Francisco and Marin County. San Francisco was the largest American city that was still primarily served by ferry boats. The city's growth rate was lower than the national average because it did not have a permanent link with communities around the bay. Many experts said a bridge could not be built across the 6,700-foot-long strait, which had strong, swirling tides and currents, water 372 feet deep in the center, and frequent strong winds. According to experts, fierce winds and blinding fogs would prevent construction and operation.

2. Alcatraz Island

Address: San Francisco, California 94133, United States

Alcatraz Island is a small island in San Francisco Bay, 1.25 miles off the coast of San Francisco, California. In the mid-nineteenth century, the island was developed with facilities for a lighthouse, a military fortification, and a military prison. The island was converted into a federal prison, Alcatraz Federal Penitentiary, in 1934. The prison became one of the most notorious in American history due to the strong currents surrounding the island and the cold water temperatures. The prison was decommissioned in 1963, and the island is now a popular tourist destination.

Beginning in November 1969, a group of Native Americans, primarily from San Francisco, occupied the island for more than 19 months, later joined by AIM and other urban Indians from other parts of the country, as part of a wave of Native American activists organizing public protests across the US throughout the 1970s. Alcatraz was transferred to the Department of Interior in 1972 and became part of the Golden Gate National Recreation Area. In 1986, it was designated a National Historic Landmark.


The National Park Service now manages the island's facilities as part of the Golden Gate National Recreation Area. Visitors can reach the island in less than 15 minutes by ferry from Pier 33 in San Francisco, which is located between the San Francisco Ferry Building and Fisherman's Wharf. Hornblower Cruises, doing business as Alcatraz Cruises, is the official ferry company to and from the island.


Alcatraz Island is home to an abandoned federal prison, the oldest operating lighthouse on the West Coast of the United States, early military fortifications, and natural features such as rock pools and a seabird colony. According to a 1971 documentary on the history of Alcatraz, the island measures 1,675 feet by 590 feet and rises 135 feet during mean tide. The island's total area is reported to be 22 acres.


The Main Cellhouse, Dining Hall, Lighthouse, ruins of the Warden's House and Social Hall, Parade Grounds, Building 64, Water Tower, New Industries Building, Model Industries Building, and the Recreation Yard are among the island's landmarks.

Quick History

During the Spanish rule of California, the first European to document the islands of San Francisco Bay was Spanish naval officer and explorer Juan Manuel de Ayala, who charted San Francisco Bay in 1775. He called today's Yerba Buena Island "La Isla de los Alcatraces," which translates as "The Island of the Gannets" but is commonly mistranslated as "The Island of the Pelicans" (the modern Spanish word for 'pelican' is pelcano), from the archaic Spanish alcatraz ("pelican"). Because gannets are not native to the Pacific coast, the older Spanish usage is more likely.


On Ayala's 1775 map of San Francisco Bay, Yerba Buena Island was labeled as "Isla de Alcatraces." Captain Frederick W. Beechey, an English naval officer and explorer, later applied the name to the rock that is now known as Alcatraz Island.


The Spanish version "Alcatraz'' became popular over time and is now widely used. In August 1827, for example, French Captain Auguste Bernard Duhaut-Cilly wrote, "... running past Alcatraze's (Pelicans) Island... covered with a countless number of these birds. A gun fired over the feathered lesions caused them to fly up in a great cloud and with a noise like a hurricane." The Spanish constructed several small buildings and other minor structures on the island.

3. The Walt Disney Family Museum

Address: 104 Montgomery Street, San Francisco, California 94129, United States

The Walt Disney Family Museum (WDFM) is an American museum dedicated to Walt Disney's life and legacy. The museum is located in San Francisco's Presidio, which is part of the Golden Gate National Recreation Area. Three existing historic buildings on the Presidio's Main Post were retrofitted and expanded for the museum. The main building, located at 104 Montgomery Street, faces the Parade Ground and was completed on October 1, 2009. The Diane Disney Miller Exhibition Hall, located at 122 Riley Avenue, houses additional museum offices, the Walt Disney Family Foundation offices, and rotating major exhibitions.


The Walt Disney Family Museum is a 501(c)3 non-profit organization that was formerly owned, operated, and funded by the Walt Disney Family Foundation, a non-profit organization founded by Disney's heirs, including Disney's daughter and museum founder, Diane Disney Miller. It is not officially affiliated with The Walt Disney Company, a media and entertainment conglomerate.


The 40,000-square-foot space in the main museum building uses cutting-edge technology as well as historic materials and artifacts to bring Disney's accomplishments to life, with interactive galleries featuring early drawings and animation, movies, music, listening stations, and a 12-foot-diameter model of Disneyland.


The lobby showcases 248 awards Disney received during his career, including the Presidential Medal of Freedom and numerous Academy Awards, including the honorary award for Snow White and the Seven Dwarfs, which consists of one full-sized Oscar and seven miniature ones (representing the Seven Dwarfs).


On the lower level of the museum, there is also a Fantasia-inspired state-of-the-art digital Theater that shows Disney films on a daily basis. Starting with Walt Disney's ancestors and ending with his death on December 15, 1966, there are ten permanent galleries.


The museum also has items related to Walt Disney's ridable miniature Carolwood Pacific Railroad (built in his backyard), including his beloved Lilly Belle locomotive.

Best Private Money Lender In The SF Bay Area - Persevere Lending

Persevere Lending Is The Hard Money Lender You Can Trust

Persevere Lending, located in the SF Bay Area, was founded with unwavering ethics and integrity. Our mission is to represent all our clients with the highest respect and accountability. We understand people's challenges and anxiety throughout their real estate financing process. We can help mitigate their stress and uncertainty by navigating them through the loan process concisely, professionally, and transparently.

Private real estate financing is designed for strategic and/or opportunistic capital requirements for borrowers unable to obtain traditional financing. Persevere Lending is dedicated to providing our borrower clients with creative, efficient, and effective loans. And providing our investor clients with superior underwriting and due diligence to assure consistent yields and capital preservation. Contact us today for your consultation!

Top 3 Questions People In The SF Bay Area Have About Private Money Loans

If you're living in the SF Bay Area, there's a good chance you've heard of private money loans, but you may not be sure what they are or how they work. In this post, we'll answer the top three questions people in this area have about private money loans. Keep reading to learn more!

1. What Should I Look For In A Private Lender In The San Francisco Bay Area?

When it comes to finding a private lender, there are certain qualities you should look for in order to protect your finances and ensure the best possible outcome for your loan. Here are some important things to consider when selecting a private lender:


1. Reputation – You want to make sure that the lender you’re considering has a good reputation in the industry. Look for lenders with a history of successful loan agreements, and make sure you read all of their reviews to get an idea of what previous customers have experienced.

2. Terms And Conditions – You should also review the terms and conditions of the loan carefully to ensure that you understand them fully before signing anything. Make sure the repayment plans and interest rates are reasonable for your needs, and take the time to ask questions if you don’t understand something.

3. Transparency – It’s important that the lender is open and honest with you about their fees, repayment terms, and other details. Make sure you have a clear picture of how much you will be expected to pay and when, as well as any other stipulations attached to the agreement.

4. Flexibility – Finally, you want to make sure that your private lender is willing to negotiate with you if needed. Life happens, and it’s possible that you may find yourself in a situation where repayment of the loan becomes difficult. A flexible lender that is willing to work with you can make all the difference in these situations.

5. Security – You should also inquire about the security measures that your lender has in place to protect your sensitive personal and financial information. Make sure you feel comfortable with the level of security being provided, as this is critical for safeguarding your data.

6. Professionalism – You want to make sure that your lender is professional and courteous at all times. This may sound like a minor detail, but it can make a big difference in your experience with the loan process. A lender who shows respect for you as a customer, clearly explains their policies, and is always available to answer questions, is usually the best choice.

7. Experience – Make sure that your lender has experience in the type of loan you are requesting. Not all lenders offer the same types of loans, so it’s important to make sure that yours is experienced in the kind of financing you need.

By taking the time to review these important factors, you can ensure that you select a reputable and reliable private lender that will meet your needs and provide an agreement that works for both parties. Good luck finding the right match!

2. Is It Better To Use A Bank Or A Private Lender In The San Francisco Bay Area?

Banks are regulated financial institutions that offer various banking services to individuals, businesses, and organizations. They are typically the first place most people turn when looking for a loan or other financial service. Banks generally have more stringent lending criteria than private lenders—such as higher credit score requirements and lower maximum loan amounts—which can make it difficult for some borrowers to get approved for a loan.


Private lenders are generally not regulated by government agencies and usually offer services such as short-term loans, hard money loans, bridge loans, and other alternative financing options. Private lenders tend to have more lenient lending criteria than banks—such as lower credit score requirements and higher maximum loan amounts—which can make it easier for some borrowers to get approved for a loan.


The main difference between banks and private lenders is the degree of regulation. Banks are strictly regulated by government agencies, while private lenders can operate with more leniency. This can make it easier for some borrowers to get approved for a loan from a private lender than from a bank.


Ultimately, the decision of whether to use a bank or private lender for financing will depend on your individual needs and circumstances. Banks may be more suitable for those who need larger loan amounts and are able to meet their stringent credit requirements. Private lenders may be more suitable for those who need smaller loan amounts and can get approved with less stringent criteria. It is important to compare the different fees and interest rates offered by both types of lenders before making a decision.


The bottom line is that it’s important to evaluate your individual needs and circumstances before selecting a lender. Banks may be more suitable for those who need larger loan amounts and meet their stringent credit requirements, while private lenders may be more suitable for those who need smaller loan amounts and can get approved with less stringent criteria. Be sure to compare the different fees and interest rates offered by both types of lenders before making a decision.


This is not a simple answer, so make sure you do your research and talk to an expert to help you decide which lender is best for your situation.

3. What Are The Different Types Of Private Lenders In The San Francisco Bay Area?

Private lenders come in a variety of forms that can offer different types of financing for borrowers. Some of the most common types of private lenders include:


1. Hard Money Lenders: These lenders specialize in lending secured, short-term loans at high-interest rates and fees to individuals or businesses with limited access to other forms of credit. Hard money lenders typically require collateral, such as real estate or equipment, to secure the loan.

2. Peer-To-Peer Lenders: Also known as P2P lenders, these individuals or organizations provide loans directly to borrowers without going through a financial institution. Loans are usually unsecured and funded by a variety of investors over a web-based platform.

3. Angel Investors: A type of investor that generally provides capital to startups or small businesses in exchange for equity or debt financing. They usually look for high-growth potential companies and are often willing to take greater risks than traditional lenders.

4. Private Equity Firms: These investment firms typically provide capital in exchange for ownership stakes in a company, and are usually more focused on large-scale investments.

5. Family & Friends: A source of financing that involves borrowing money from family or friends to fund business ventures. This type of loan typically has flexible repayment terms and no interest fees but can put a strain on personal relationships if not managed properly.

6. Online Lenders: These lenders offer short-term financing to borrowers through web-based platforms, often with quicker approval times than traditional banks. Interest rates tend to be higher than those offered by banks and other financial institutions.

7. Crowdfunding Platforms: A form of online fundraising that allows individuals to contribute money to finance a project or business venture. Funds are typically raised through contributions from numerous investors, with each donor receiving a stake in the company or project they supported.

8. Merchant Cash Advance: An alternative financing option offered by some lenders that involves providing funds up-front in exchange for a percentage of future sales. These loans tend to be short-term and have high-interest rates.

These are just a few of the different types of private lenders that may be available to individuals or businesses looking for financing options. It is important to research each option thoroughly before making a decision and work with experienced professionals who can help you understand the terms, fees, and risks associated with each type of loan.

Map To Our Location From The SF Bay Area

Are you Looking for a Hard Money Lender you Can Trust?

Persevere Lending, located in the SF Bay Area, was founded with unwavering ethics and integrity, and it is our mission to represent all of our clients with the highest level of respect and accountability. We understand the challenges and anxiety that people endure throughout their real estate financing process, and we can help to mitigate their stress and uncertainty by navigating them through the loan process in a concise, professional, and transparent manner.

Private real estate financing is designed for strategic and/or opportunistic capital requirements for borrowers unable to obtain traditional financing. Persevere Lending is dedicated to providing our borrower clients with creative, efficient, and effective loans. And providing our investor clients with superior underwriting and due diligence to assure consistent yields and preservation of capital. Contact us today for your consultation!


Disclaimer: The materials available on this website are for informational and entertainment purposes only and not to provide financial or legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem.  You should not act or refrain from acting based on any content included on this site without seeking legal or other professional financial advice. The information presented on this website may not reflect the most current legal developments.  No action should be taken in reliance on the information contained on this website and we disclaim all liability in respect to actions taken or not taken based on any or all of the contents of this site to the fullest extent permitted by law.

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