AB CAPITAL is a private real estate investment firm and California Finance Lender headquartered in Newport Beach that specializes in real estate secured debt investments in California.

With a proven and accomplished team of real estate professionals with over 75 years of combined relevant experience in all facets of real estate, AB Capital possesses a competitive advantage in sourcing and structuring quality investments. We pride ourselves on our hands-on and common-sense investment analysis, intimate knowledge of the market in which we transact, and commitment to the preservation and growth of our investors’ capital.

Our mission is to be an innovative, client focused firm that delivers  compelling risk adjusted returns through real estate secured investments using disciplined analysis, stringent underwriting and thorough due diligence.

$0 Billion+
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Closed real estate transactions by our principals.
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Accredited investors, family offices, and select investment advisors who have placed their trust with our principals.
0+ Years
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Combined real estate investing and lending experience.

Our Investment Philosophy

We invest in a diverse portfolio of real estate secured debt investments with significant equity protection in well-positioned California markets in order to preserve capital and produce consistent and attractive risk adjusted returns. Our philosophy focuses on preservation first and yield second.

Alignment of Interest

AB Capital’s principals co-invest with our clients. The principals of AB Capital have always led with the philosophy to align the interests of the firm with those who entrust the firm with their money. This approach means every AB Capital strategy is pursued from an investor’s perspective to achieve the best results possible.

Our Values

Client First

First and foremost we value our clients. Our clients are our lifeline without which we couldn’t do what we do. We understand this and therefore make producing the highest quality results for our clients our utmost priority.

Accountability

We appreciate that our decisions impact the lives of our team, investors and the community. Accordingly, we hold ourselves to the highest standards of integrity and strive to exemplify honesty, fairness and transparency in all that we do. Put simply, we honor our word and stand by our decisions.

Excellence

We always strive for excellence and settle for nothing less. We aim to be our best, do our best, and produce the best results for our team, investors and the community. We acknowledge that we are ultimately measured by our performance and constantly seek to exceed expectations.

Our Process

Originate

AB Capital’s strong ties and presence in the California real estate market facilitates a consistent stream of potential loan investments from brokers and borrowers alike. Because of AB Capital’s proven ability to perform, many brokers and borrowers are repeat clients, which ensures steady deal flow, helps streamline the loan process and increases the likelihood of quality performing loans with proven sponsors.

Analyze

AB Capital has a stringent due diligence process that aims to minimize risk and maximize returns. AB Capital’s holistic and exhaustive due diligence process starts with the real estate, focusing on its value, location and condition. AB Capital also takes a close look at the sponsor’s qualifications and ability to perform. AB Capital’s internal team of real estate brokers, an appraiser and attorney make sure all risk is properly identified and accounted for.

Execute

AB Capital’s clients rely on us to say “no” until the time is right to say “yes.” Not every deal is the right deal. Once we determine a deal fits our strict investment criteria, we move quickly to execute and close. Execution, however, doesn’t end at closing. We closely monitor the investment until the deal is fully paid off. Only then is a deal closed, and even then, we are diligently working on the next deal in the pipeline.

Our Leadership Team

Ryan J. Young

President and Co-Founder

Mr. Young is the Co-Founder and Principal of AB Capital. He is an innovative and accomplished leader with over 2 decades of experience in real estate finance, acquisitions, development, construction and asset management. He (and his teams) have arranged over $1 billion of financing over his 25 year career. He focuses his efforts on investor relations and portfolio management. Mr. Young is a licensed California Real Estate Broker and a graduate of U.C. Santa Barbara with a degree in Political Science.

Joshua R. Pukini

Co-Founder

Mr. Pukini is the Co-Founder of AB Capital. He has 14+ years of experience in privately funded real estate investments. A results-focused entrepreneur, Mr. Pukini has a proven track record with over $500MM in deals funded solely utilizing private investor capital. An adept negotiator and strategist, Mr. Pukini is responsible for managing the firm’s total investment portfolio, evaluating deal risk & structuring opportunistic real estate ventures. Mr. Pukini is a licensed California Real Estate Broker and is a graduate of U.C. Berkeley with a degree in Legal Studies.

Justin C. Johnson

General Counsel

Mr. Johnson serves as AB Capital's General Counsel. He is a former litigator at a top national law firm where he represented some of California’s largest lenders and developers. He is also an experienced real estate investor having managed and invested in numerous projects over the years. Mr. Johnson oversees the company's legal and underwriting departments. He is a licensed CA attorney who graduated Phi Beta Kappa from U.C. Berkeley with degrees in Political Science and Legal Studies. He earned his law degree from U.C.L.A.

Donald G. Guilfoyle III

Operations

Mr. Guilfoyle is the Director of Operations for AB Capital. He has over 18 years of experience in real estate finance, asset management and business development. Mr. Guilfoyle combines exceptional business foresight with outstanding operational acuity and has a proven background of launching and growing successful businesses. He focuses his efforts on strategic business development, operational efficiency and investor relations. Mr. Guilfoyle is licensed by the California DRE and NMLS. He graduated from Cal State San Marcos with a degree in Communications.

Justin J. Eichman

Valuations

Mr. Eichman is the Director of Valuations of AB Capital. He has over 18 years of experience providing real estate valuation and advisory services. Prior to joining AB Capital, Mr. Eichman managed a national commercial real estate appraisal firm overseeing valuations on thousands of properties. He is primarily responsible for internal valuation of all investments in the portfolio. Mr. Eichman is a licensed appraiser in CA and holds an MAI designation from the Appraisal Institute. He graduated with a Bachelor of Architecture and an MBA in Finance from Cal Poly, San Luis Obispo.

Troy J. Rupp

Broker Services

Mr. Rupp joined AB capital in February 2017 from Daum Commercial where he gained his experience in commercial real estate and finance. He focuses his efforts on loan origination and broker relations. He is a licensed CA Real Estate Salesperson and graduated from Cal State Fullerton with a degree in Finance with an emphasis on Real Estate.