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Why Bank Chief Credit Officers, Bank Credit Administrators, Bank Loan Officers and Mortgage Brokers refer us loans:


Referral fees paid when accepted. We share 50% of the points with the referral source.


Quick decisions and fast funding. Underwriting decisions in 24 to 48 hours and close in a week or two.

We originate new loans or purchase existing notes banks want off their balance sheets.


We can help your client when the regulations, requirements, guidelines or timing don't fit your client's situation.

A great relationship with your client is important and we are here to help you maintain that by obtaining the financing your client needs.


I worked with Russell Hyzen on a bridge loan to create liquidity while preparing to sell one of my properties. Right from the first correspondence, Russell approached the loan process efficiently and was warm and engaging with me throughout. 

He consistently moved the process forward with a clear professional tone and has always been prompt, and focused on serving my needs. I can say that after working through several loans over the years with both institutions and individuals, Russell has stood above them all in his ability to get the deal done and leave me with a bright, positive impression. I greatly appreciate having him in my business network and will definitely work with Zen Lending again in the future. I can confidently recommend Russell to colleagues knowing that they will have an excellent experience that drives their business forward and upward. 

- Erick T.

Loan Amount



20,000 s.f. single tenant retail building


Cash out for expansion capital for his business

Loan Amount



120 acres with both a rental house and over $800,000 worth of redwood timber


Cash out for investment in property he is developing out of the country

Loan Amount



Rental house


Additional funds to complete a 1031 exchange from one rental property to another.

Russell Hyzen was available, professional and personable. He took all the time necessary to to explain all aspects of the process. He was very thorough. I highly recommend Russell Hyzen for all your loan needs. 

- James C.

Russell Hyzen was available, professional and personable. He took all the time necessary to to explain all aspects of the process. He was very thorough. I highly recommend Russell Hyzen for all your loan needs. 

- James C.

We do not fund construction loans



Purchase, Refinance, Cash Out & Bridge Loans

Multifamily, Industrial, Retail, Office, Hotels/Motels, Mobile Home Parks, RV Parks, Self Storage, Gas Stations, Parking Facilities and Special Purpose Properties


Typically receive preliminary loan approval, denial, or a request for additional information within 24 to 48 hours. 


LOAN TERM:  12 to 60 months


LOAN POSITION:  1st only


LOAN AMOUNTS:  $250K to $5M


INTEREST RATES:  8% to 12%

LOAN TO VALUE (LTV):  up to 65%


POINTS:  1 to 4



2710 Crow Canyon Rd #1044

San Ramon, CA  94583


11161 State Rd 70 E, Ste 110-1019

Lakewood Ranch, FL 34202

Email: russell@zenlending.com

Tel:  925-302-6070



Russell Headshot copy.jpg

Russell Hyzen

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DRE Broker #01022829

  • I invest my own money along with my investors in private real estate loans.

  • 30+ years real estate experience including founding, operating and selling a mortgage brokerage company.

After investing my personal funds in real estate loans with several different private money loan brokers since 2017, I decided to start my own private money lending company for many reasons. First, I really enjoy the entire process of helping people accomplish their financial goals. I have also had great success and found it both personally and financially rewarding. Second, over decades I have many colleagues who have invested with me in loans, real estate partnerships and other private companies. I have been approached by more colleagues who would like to invest in private money loans with me. Third, it allows me to actively work on finding the types of loans that appeal to me as a private investor. Since I generate a return on my own invested funds in the loans I am able charge lower points to borrowers, giving me a competitive advantage to attract borrowers.


After graduating from California State University, Northridge with a double major in finance and real estate I went to work for a real estate development company that built about 300 apartment units per year. I then sold commercial real estate before entering the mortgage lending business, working for two mortgage brokerage companies before starting my own. After founding, operating and selling my own mortgage brokerage company I changed course and joined an early stage Internet company as the fifth employee back in 1995. This company, Quote.com, was the first company to provide stock quotes on the Internet. We were funded by legendary venture capitalist, Mike Moritz of Sequoia Capital. Mike and Sequoia invested in Yahoo! a few months earlier and Mike brokered a meeting I was at between Quote.com and Yahoo!, who at the time had only 15 employees.

In 1996 I joined the two co-founders of XOOM.com as their first employee. At XOOM.com we built a community website in the same pier group as GeoCities, The Globe, Tripod, Angelfire, etc. These were the first iterations of social media which would eventually produce companies like MySpace and Facebook. We used our community website to direct market products to our member base and also sold advertising on our high traffic website. We were able to take the company public in December of 1998 and then do a merger which combined XOOM.com, Snap!, NBC.com and other web properties to create NBCi.

After XOOM.com/NBCi I started investing in apartment buildings with colleagues from the first real estate company I worked for after college. I also invested in a several Internet startups, joined some of the boards of directors of these companies and even took an operating role at one of them. After we sold the company at which I was on the board and also had an operating role, I focused on my real estate investing in apartment buildings and started to invest in private money loans.

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© 2022 by ZEN LENDING.

DRE Broker #01022829

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