Charger Funding in Encinitas's Old Encinitas district is a private money lender holding DRE license #01888960 and NMLS #999380 since its 2008 founding on Second Street near the Self Realization Fellowship. The firm structures asset-based bridge loans for real estate investors, aligning short-term financing with broader portfolio strategy through capital planning coordination at Stone Steps Financial LLC. Loan amounts range from $75,000 to $1,000,000 at a maximum 80% loan-to-value ratio, covering single-family, multi-family, commercial, and mixed-use properties throughout Southern California. Fix-and-flip borrowers tap rehabilitation budgets alongside purchase financing, a structure that dovetails with investment brokerage activity at RG Bar Investment Group in Cardiff-by-the-Sea. The firm has funded over $175 million in California private money transactions with draw schedules structured against contractor-verified rehab milestones on terms up to twelve months.