Todd Wilson

Bay Area Financial Services Inc Alternative Lending Division was started by Todd Wilson after many years working in the mortgage industry. Getting his real estate license in 2001, Todd immediately began working on mortgages with a focus on hard money and alternative lending. 

Todd Wilson

He quickly became a top producer in the brokerage where he worked. Then, looking to start something new, he ventured out on his own in 2007, just before the market imploded.

In spite of the poor timing, Todd started a hard money lending company, ARC Capital, with a couple of business partners. While the beginning was tough, they made it through and became one of the top private money/hard money lenders in the area. Being the only loan officer in his company, he was able to reach an average of closing more than 15 loans per month.

While specializing in alternative mortgages, including hard money and other alternative lending options, Todd has  experience with conventional mortgages too. He  can help you with conventional mortgages and commercial financing.

Regardless of the type of mortgage you are looking for, Todd can help you find the best option available for you, even if it means referring you to someone who specializes in the type of financing you are looking for. 


If you have questions, or would like to find out how to get a mortgage or become an investor with us, please call us or fill out the contact form below. You can also go to our blog for more information on private lending.

Why Work With Me?

The experience of having the market fall apart and going through bankruptcy and foreclosure himself gave Todd a unique perspective in helping clients who have gone through tough times. He has an understanding and empathy that most loan officers and lenders never will.

Combining this experience with the desire to help others and the persistence necessary to find solutions to the most difficult situations, he has become excellent at structuring loans so that they benefit both the borrower and the lender.

Rather than just being an order-taker, he takes the time to find out the details of your situation and what problem you are trying to solve. Getting this complete information makes it possible to find solutions where others can’t.

Knowing that those with bad credit, problem properties and difficulty proving income are constantly told they can’t get a loan, we focus on helping these people find solutions. 

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(707) 401-8080


423 Broadway # 813, Millbrae, Ca. 94030