CALIFORNIA COMMERCIAL LOANS

We finance office buildings, retail spaces, industrial properties, warehouses, multi-family properties (5+ units), mixed-use buildings, and investment properties. Each property type has specific loan programs and requirements tailored to maximize your investment potential.

Commercial loans typically require 20-25% down payment for owner-occupied properties and 25-30% for investment properties. SBA loans may offer lower down payment options (10-15%) for qualifying small businesses with owner-occupied commercial real estate.

Commercial loans typically take 45-60 days to close due to comprehensive due diligence, property appraisals, and environmental assessments. SBA loans may take 60-90 days due to additional government review processes. Bridge loans can close in 2-3 weeks.

Commercial loan rates vary by property type, loan amount, and borrower qualifications. Current rates typically range from 6-10% for conventional loans, with SBA loans often offering more competitive rates for qualifying borrowers. Bridge and hard money loans typically range 8-15%.

While experience helps, it's not always required. First-time commercial investors can qualify with strong credit, adequate down payment, and proper cash flow projections. We offer guidance and connect you with commercial real estate professionals to ensure success.

Commercial loans require 2-3 years of tax returns, financial statements, rent rolls (for income properties), property appraisal, environmental reports, and business plans. We provide a complete checklist specific to your loan type and property.