California small business funding

Commercial Real Estate Financing in California

Commercial real estate financing built for California owner-occupants and real estate sponsors. Flexible structures, competitive leverage up to 75–80% LTV, and a lending team that moves at the speed of your deal — purchase, refinance, cash-out, construction completion, or bridge.

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Amount

$250,000 – $10,000,000

Term

5 – 30 years

Speed

Funding in 25–60 days

Best for

Who this product fits

Business owners buying the property they operate out of
Sponsors and syndicators acquiring or repositioning income-producing CRE
Owners renovating, expanding, or recapitalizing a property
Developers who need bridge capital before permanent financing

Use of funds

What businesses use it for

Owner-occupied office, retail, industrial, mixed-use
Investment property acquisition and refinance
Cash-out refinance for capex, renovations, or partner buyouts
Construction completion and bridge financing
Value-add repositioning and lease-up capital

See what your California business qualifies for.

5-minute application. No hard credit pull. No obligation.

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Qualifications

General requirements

Verifiable income or property cash flow
LTV up to 75–80% (higher considered on strong deals)
Appraisal and standard CRE underwriting documentation
Experienced sponsors and first-time buyers both welcome

Specific qualifications vary by lender and program. The numbers above reflect the most common bars for this product in our network — they are not a guarantee of approval or specific terms.

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