California Commercial Real Estate Loans
California Commercial Real Estate Loans$150K to $100M
I arrange California commercial real estate loans for buyers, investors, sponsors, and developers across the largest CRE market in the country. From a triplex in the Inland Empire to a $43M apartment tower, I move fast… and that includes Los Angeles commercial real estate loans where deal volume and competition are highest. Banks hand out umbrellas when the sun is shining, not when you are weathering the storm. I am the capital partner who shows up when the storm hits.
$43M Multi-Family Apartment Complex · Dallas, TX
Bank walked two weeks before closing.
Institutional capital partner. Term sheet in 48 hours.
Closed in 19 days.
Every Property Type, Funded in California
California Commercial Property Loans for Every Asset Class
Does your deal fit? Here are the eight property types I finance with California commercial real estate loans, and how each one actually plays in this market. These are California commercial property loans built around the asset, not a one-size bank box, which is why investors choose California commercial property loans through me over a slow bank.
Multi-Family Apartment
California is the multi-family epicenter of the country, and chronic housing shortage keeps occupancy tight from LA to the Bay. I arrange California multi-family loans on everything from a fourplex to a 300-unit tower, and California multi-family loans are the single biggest slice of the California commercial real estate loans I close, with bridge-to-permanent paths for value-add deals.
View multi-family loans →Warehouse and Industrial
The Inland Empire is the single largest industrial logistics hub in the nation, and port-driven demand around LA and Long Beach keeps last-mile space scarce. I fund acquisition, refinance, and ground-up with California commercial real estate loans on distribution, cold storage, and flex-industrial.
View warehouse loans →Office Building
California office is a tale of two markets… distressed downtown towers and strong suburban and medical office. I underwrite to the rent roll and the submarket, not the headline, so a well-leased Orange County or San Diego building still gets a California commercial mortgage. These are the California commercial property loans most banks misprice.
View office loans →Office Condo
Owner-users buying their own suite in California love the SBA 504 structure, and I am a 504 specialist. Doctors, attorneys, and accountants across the state use office condos and California commercial real estate loans to stop renting and start building equity.
View office condo loans →Retail and Strip Mall
Grocery-anchored neighborhood centers stay landlord-favorable across California, with retail vacancy near record lows in Orange County and San Diego. I finance strip centers, pads, and single-tenant net lease on a California commercial mortgage that matches the lease term, structured as California commercial property loans sized to the asset.
View retail loans →Flex Building
Flex space bridges office and industrial, and California tech, biotech, and light-manufacturing tenants drive steady demand from San Diego to Silicon Valley. I fund multi-tenant flex with California commercial real estate loans and creative structures for partial vacancy.
View flex loans →Construction/Development
California permitting is slow and capital-intensive, which is exactly why ground-up sponsors need a lender who closes. I fund development from $500K to $100M with LTC-blend California commercial real estate loans and a $100M institutional partner behind me.
View construction loans →Self Storage
California self storage stays resilient through every cycle, and SBA 504 lets owner-operators acquire or build with as little as 10 percent down. I lead with 504 on storage because it draws long-term fixed capital from a different source than the bank, and pair it with California commercial real estate loans when the deal calls for it.
View self storage financing →How Fast California Commercial Real Estate Loans Move
Speed is the whole game in California, where a slow lender loses the deal to an all-cash buyer. Here is what I deliver on California commercial real estate loans, program by program.
| Program | Loan Range | Term Sheet | Close |
|---|---|---|---|
| Commercial Real Estate (acquisition) | $150K to $100M | 3-5 days | 21-30 days |
| Investment Property | $150K to $100M | 3-5 days | 21-30 days |
| Bridge Loans | Deal-dependent | 24-72 hours | 15-30 days |
| Construction/Development | $500K to $100M | 5-10 days | 30-45 days |
| SBA 504 (owner-occupied CRE) | Up to $5.5M | 5-7 days | 45-60 days |
| SBA 7(a) (CRE acquisition) | Up to $5M | 5-7 days | 45-60 days |
| Cashout (free-and-clear property) | $150K to $100M | 3-5 days | 10-20 days |
Why the SBA 504 Structure Is Different
Most people think an SBA 504 loan is a bank loan with a government program attached to it. It is not. The SBA 504 is structured differently from any conventional CRE loan, and that is exactly why it works the way it does.
Here is the actual mechanic:
The bank provides the first lien at typically 50 percent of the project. The SBA/CDC second-position portion (40 percent) is packaged through the debenture market, where SBA-backed debentures are sold to investors.
In other words, the SBA portion is tied more closely to the bond market than to any conventional bank balance sheet.
A conventional commercial loan is priced around bank risk, borrower risk, property risk, and lender margin. The SBA 504 debenture is priced around government-backed bond risk… a completely different funding source.
That is why the 504 program can deliver long-term, fixed-rate capital that conventional commercial real estate financing often cannot replicate. The 504 advantage is the highest leverage in the market for the owner-user, because it draws from a different capital source entirely.
When the 504 fits your deal, it is almost always the best structure available. The question is whether your deal qualifies. One conversation with me and I will tell you.
Apply for SBA 504 financing →California Commercial Real Estate by the Numbers
Why California is the highest-volume market in the country for California commercial real estate loans… straight from public federal and state data.
What a California Commercial Mortgage Looks Like Here
A California commercial mortgage is priced against the deepest tenant base and the largest economy in the nation, which is why I can place a California commercial mortgage on assets a regional bank will not touch. The same scale is why California commercial real estate loans stay liquid through every cycle… there is always demand for well-located California commercial property loans somewhere in this state.
Real Deals. Real Closings.
Two deals at wildly different sizes. One is luck. Two is a system. This is what California commercial real estate loans look like when a bank quits and I step in, whether the deal is a $4M building or Los Angeles commercial real estate loans in the eight figures. Every closing I publish below is a real California commercial real estate loans deal, newest first.
$43M Multi-Family Apartment Complex
Location: Dallas, TX
Bank walked two weeks before closing. The real estate broker called me.
I structured the financing with an institutional capital partner. Term sheet in the buyer’s hands in 48 hours.
Closed in 19 days.
“When a $43M deal demands institutional speed, this is how I deliver California commercial real estate loans.”
$4.2M Multi-Family Apartment Purchase
The borrower’s bank walked pre-closing on a straight purchase.
I stepped in and funded the deal in 24 days into a 20-year fixed.
“Bank quit. I closed. This is the typical-investor deal I do every month.”
Fresh Closings From My Desk
Loading my latest funded deals…
California Bank vs. Kevin
Same deal. Two outcomes. This is the difference between begging a bank and calling me for California commercial real estate loans.
| Scenario | Traditional Bank | Kevin |
|---|---|---|
| $5M acquisition with a 60-day closing window | 90+ days to underwriting, often declined | I deliver a term sheet in 3 to 5 days and close in 21 to 30 |
| Bank withdraws 10 days from close | Deal dies | I can place an emergency term sheet in 24 hours and close in under 15 days |
| Out-of-state buyer acquiring in California | Bank wants an in-state relationship | I am a cross-state CRE specialist, all 50 states |
| Loan over $20M | Most banks tap out | I close up to $100M with my institutional partners |
| Owner-occupied CRE | Generic SBA process | I am an SBA 504 specialist, 90 day target close |
| 1031 exchange on a tight timeline | Bank cannot match the deadline | I close in 21 to 30 days, with your replacement property identified |
| DSCR property with no W-2 income | Declined for “lack of personal income” | I have DSCR programs that qualify the property, not the borrower’s W-2 |
Why Work With Me Instead of a California Bank
20+ Years in the Commercial Real Estate Arena.
I have spent more than 20 years in the commercial real estate arena as a broker, an owner, and an operator. I am not a former banker reading a credit memo… I have signed the personal guarantees, run the buildings, and sat on the borrower’s side of the table. That is the lens I bring to every California commercial mortgage I arrange, and it is why I have helped move more than $500M in funded transactions.
On California CRE specifically, I work a 75+ lender network and a $100M institutional capital partner, so I am not stuck with whatever one bank’s box happens to be that quarter. That network is why I can place California commercial real estate loans on deals a single regional bank cannot. Out-of-state buyers, sponsors chasing a 1031 deadline, developers fighting California permitting… I have the channels to place the deal that one regional bank simply cannot match.
And I do it personally. I call you, I never text. Arizona Time, 7 days a week. I personally review every California commercial real estate loans application that reaches my desk, because a multi-million-dollar deal is built on trust, and trust does not come from a call center. That is the standard I hold on every one of the California commercial real estate loans I arrange.
Don’t Beg the Bank! Tell me what you are trying to do and I will tell you the fastest way to fund it. More about how I work → or apply now.
What Drives the California Deals on My Desk
California CRE demand is built on the deepest, most diverse economy in the country, and that demand is what feeds the California commercial real estate loans crossing my desk. The deals track three engines: technology and biotech driving office, flex, and lab space across Silicon Valley and San Diego; manufacturing and port-fed logistics filling Inland Empire industrial; and healthcare plus professional services fueling medical office and owner-user condo demand statewide. When those engines need California commercial real estate loans, they call me… not the bank that keeps them waiting.
California Commercial Real Estate Across the Map
I fund deals in every corner of California. Los Angeles and the Inland Empire drive the highest volume… LA for multi-family and creative office, Riverside and San Bernardino for the largest industrial logistics market in the country. Los Angeles commercial real estate loans are my single busiest lane in the state, and Los Angeles commercial real estate loans cover everything from a small mixed-use building to an eight-figure apartment tower. San Diego runs on biotech and life-science. The Bay Area and San Jose carry tech and the nation’s priciest real estate. And growth keeps pushing inland to Sacramento, Fresno, Bakersfield, and the high desert, where lower entry prices and population migration are opening California commercial real estate loans opportunity with far less competition.
Authority on California Commercial Real Estate Lending
I point clients to primary sources, not sales pages. Here is where to verify the programs and the market behind your California commercial real estate loans.
Federal Loan Programs
The SBA’s official funding-programs hub covers 7(a), 504, and the rest of the silo I arrange for owner-users.
U.S. Small Business Administration →Commercial Real Estate Industry
NAIOP is the commercial real estate development association tracking industrial, office, and mixed-use trends.
NAIOP →Real Estate Research and Trends
The Urban Land Institute publishes the annual Emerging Trends in Real Estate report used across the industry.
Urban Land Institute →California State Authority
The California Governor’s Office of Business and Economic Development (GO-Biz) is the state’s official economic development resource.
California GO-Biz →California Commercial Real Estate Loans FAQ
How fast can you close a California commercial real estate deal?
How much can I borrow with California commercial real estate loans?
What property types do you finance in California?
Do you offer SBA 504 for owner-occupied CRE in California?
Do you finance 1031 exchanges in California?
Do you fund ground-up construction in California?
What are California multi-family loans and who are they for?
What loan-to-value ratios do you offer?
What documents do you need to issue a term sheet?
What does it cost to work with you?
Which California markets do you serve, including Los Angeles commercial real estate loans?
Commercial Real Estate Loans by State
Find your program. Don’t Beg the Bank!
I arrange California commercial real estate loans from $150K to $100M, with a same-day callback from someone who has owned the businesses himself. Tell me what you are trying to do and I will tell you the fastest way to fund it. Don’t beg a bank that will keep you waiting… call me.
*I charge no fees to the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet; that charge belongs to the lender, not to me, and is disclosed before you commit. 90 percent leverage and large-deal terms apply only to qualified CRE, development, and construction transactions from $5M to $100M (LTV stabilized, LTV/LTC blend on ground-up); terms run 12 to 60 months with closings of 15 to 30 days. Stabilized permanent financing runs 5 to 30 years. All figures are illustrative and subject to underwriting.