Borrower Solutions
Commercial Real Estate Investors in Los Angeles, CA
Flexible financing for office, retail, industrial, and mixed-use commercial assets — from DTLA Arts District to the South Bay industrial corridor
Financing for Commercial Real Estate Investors
Hard Money Lenders of Los Angeles has financed commercial investments across all of these submarkets. Our asset-based commercial lending focuses on the property's income potential, location quality, and the borrower's ability to execute a clear investment strategy — not on rigid DSCR thresholds that exclude value-add plays or on borrower financial documentation requirements that shut out foreign nationals and self-employed operators.
Benefits for Commercial Real Estate Investors
We understand the unique financing needs of commercial real estate investors in the Los Angeles market. Our programs offer specialized solutions designed for your success.
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Ready to explore financing options for Commercial Real Estate Investors? Share your scenario and our network will finance you directly.
How We Help Commercial Real Estate Investors
Value-add commercial lending finances properties that need repositioning, lease-up, or renovation to reach their income potential. A Hollywood creative office building that's 60% occupied and needs $500,000 in tenant improvements doesn't qualify for conventional permanent financing — but it's a compelling value-add play for an experienced commercial investor. We underwrite these deals based on stabilized income potential, fund the acquisition and improvement costs, and bridge to permanent financing when the property reaches conventional underwriting standards.
1031 exchange bridge capital is a significant part of commercial lending in LA. The IRS's 45/180-day exchange deadlines create financing pressure that conventional lenders can't accommodate. We close 1031 replacement property acquisitions in as little as 7–10 days, coordinating with qualified intermediaries on fund release timing. The economics are clear: the bridge interest cost on a $3M replacement property is a fraction of the capital gains tax liability preserved by completing the exchange successfully.
Foreign investor financing serves the Chinese, Korean, Iranian, and Russian capital that flows into LA commercial real estate. These buyers typically structure through California LLCs, Delaware holding companies, or offshore entities. We don't require the personal financial documentation and foreign income verification that conventional lenders demand for international borrowers — we focus on the property, the equity, and the exit plan.
Program Benefits
Up to $10M loan amounts
Take advantage of our specialized up to $10m loan amounts designed specifically for commercial real estate investors.
Quick closings for time-sensitive deals
Take advantage of our specialized quick closings for time-sensitive deals designed specifically for commercial real estate investors.
Non-recourse options
Take advantage of our specialized non-recourse options designed specifically for commercial real estate investors.
Experienced investor preferred rates
Take advantage of our specialized experienced investor preferred rates designed specifically for commercial real estate investors.
Frequently Asked Questions
What types of commercial properties do you finance?
we finance borrowers directly for all major commercial property types including office buildings (Class A through C), retail centers (strip malls, neighborhood centers, single-tenant net lease), industrial properties (warehouses, distribution centers, manufacturing, flex/R&D), and mixed-use developments. We finance properties throughout Los Angeles County from small neighborhood assets to larger institutional-grade buildings. Both stabilized properties with strong occupancy and value-add opportunities with repositioning potential are eligible for financing.
How quickly can you close a commercial hard money loan?
Our typical closing timeframe for commercial loans is 10-20 days from application, depending on property complexity and third-party report timing. For straightforward acquisitions with clean title and completed due diligence, our lending team can close in as few as 7-10 days. This speed advantage allows investors to compete with all-cash buyers and meet tight transaction deadlines common in Los Angeles commercial real estate. We recommend starting the pre-approval process before identifying a specific property to further accelerate closing once a deal is secured.
What is the maximum loan amount for commercial properties?
we offer commercial hard money loans ranging from $500,000 to $10 million for properties in Los Angeles. Larger transactions can be accommodated on a case-by-case basis through syndication or partnership arrangements. Loan sizing is based on property value, cash flow, and the investor's overall financial capacity. We can lend up to 70% loan-to-value (LTV) for stabilized commercial assets and up to 80% of total project cost for value-add opportunities with strong after-completion values.
Do you require personal guarantees for commercial loans?
Most of our commercial loans require recourse to the borrowing entity's principals, though we can offer non-recourse options for larger, stabilized assets with strong sponsorship. Non-recourse loans typically require lower leverage (60% LTV or less) and carry slightly higher interest rates to account for the additional risk. For experienced commercial investors with established track records, we can structure loans with limited recourse or springing guarantees that activate only under specific default scenarios.
How do you handle commercial properties with tenant vacancies or lease roll-over?
lending partners underwrite commercial properties based on their income potential rather than just current performance. For properties with vacancies, we analyze market rents, leasing timelines, and tenant improvement requirements to project stabilized cash flow. Near-term lease expirations are evaluated based on renewal probability and market rental rates for comparable space. We can structure interest reserves or initial interest-only periods to accommodate leasing transitions. Our flexible approach allows financing for transitional commercial assets that traditional lenders often reject.
Explore Other Borrower Types
Multi-Family Properties
Hard money lending solutions for duplexes, triplexes, apartment buildings, and multi-family investments.
Residential Flippers
Specialized financing for house flippers looking to purchase, renovate, and sell residential properties.
Construction Contractors
Hard money loans for licensed contractors building spec homes or developing properties.
Ready to Get Started?
Contact us today to discuss your financing needs as a Commercial Real Estate Investors.
Call (213) 667-4815