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 financing team that moves at the speed of your deal — purchase, refinance, cash-out, construction completion, or bridge.
We arrange financing nationwide — headquartered in California
Amount
$75,000 – $10,000,000+
Term
6 months – 30 years
Speed
Funding in 5–60 days
Ranges span every CRE program we broker — bridge, private money, DSCR, multifamily, and permanent bank/SBA financing. Exact terms depend on loan type, leverage, and the deal.
Real estate investor programs
Beyond the bank: investor & sponsor capital
Dedicated CRE programs for investors, sponsors, and developers — structured around the property and the plan.
Hard Money, Bridge & DSCR
Fast asset-based capital — fix-and-flip, bridge before permanent financing, and DSCR rental loans that qualify on property cash flow.
Learn morePrivate Money Lending
Individual and fund capital that underwrites the deal, not your W-2 — time-sensitive purchases and flexible structures.
Learn moreMultifamily & Portfolio Loans
5+ unit apartments, mixed-use buildings, ground-up construction, and portfolios of 5+ single-family rentals.
Learn moreBest 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.
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.
Keep exploring
Related guides & programs
Dig deeper into the topics and products California owners ask about most.
SBA Loans
SBA 504 & 7(a) programs for owner-occupied CA real estate.
Learn moreCannabis Real Estate
Acquisition, refinance, and construction for licensed CA properties.
Learn moreWorking Capital Loans
Cover TI, moving, or launch costs after a CRE close.
Learn moreBusiness Line of Credit
Ongoing operating capital post-close.
Learn moreReady to see what you qualify for?
No credit pull. No obligation. A few minutes to see real options.
Discuss Your CRE Deal →