Loan Program
Commercial Property Loans in Los Angeles, CA
Expedited financing for office buildings, retail centers, industrial properties, and multifamily investments throughout Southern California.
About Commercial Property Loans
Commercial property hard money loans represent a specialized financing solution designed specifically for income-producing commercial real estate assets. These loans provide investors, developers, and business owners with rapid access to capital secured by commercial properties including office buildings, retail centers, industrial warehouses, multifamily apartment complexes, mixed-use developments, and hospitality properties. The asset-based nature of commercial hard money lending allows for expedited funding timelines that are essential in competitive commercial real estate markets like Los Angeles.
The commercial real estate landscape in Los Angeles presents unique opportunities across diverse property types and submarkets. From the high-rise office towers of Downtown LA to the creative office spaces in Culver City, from retail strips in the Valley to industrial properties near the ports, commercial real estate investors need financing partners who understand the nuances of each property type and location. Commercial hard money loans bridge the gap between opportunity and execution, providing the capital velocity necessary to capitalize on time-sensitive commercial investments.
Unlike conventional commercial real estate financing that can take 60-90 days or longer to complete, hard money commercial loans typically close within 2-4 weeks. This speed advantage is crucial when acquiring distressed commercial assets, refinancing maturing debt, funding value-add renovation projects, or executing 1031 exchanges with strict timeline requirements. The flexibility of hard money lending also accommodates situations that traditional commercial lenders avoid, such as properties with vacancy issues, borrowers with complex entity structures, or deals requiring creative financing structures.
Our commercial hard money lending programs are structured to support serious commercial real estate investors throughout Los Angeles County. With loan amounts available up to $5 million and loan-to-value ratios based on current or stabilized property value, we provide the capital foundation for acquisitions, refinances, cash-out transactions, and construction projects. Our team brings deep commercial real estate experience to every transaction, ensuring loan structures that align with your investment strategy and property-specific cash flow characteristics.
Program Features
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Ready to apply for Commercial Property Loans? Our team is standing by to help you get funded quickly.
How Investors Use Commercial Property Loans
Commercial Property Acquisitions
Secure commercial investment properties quickly with acquisition financing that moves at market speed. Whether you're pursuing a distressed office building, a value-add retail center, or a stabilized multifamily complex, our acquisition loans provide the certainty of closing that sellers demand. We can fund transactions that conventional lenders won't touch, including properties with occupancy challenges or those requiring immediate capital improvements.
Value-Add and Repositioning Projects
Transform underperforming commercial properties into profitable assets with renovation and repositioning financing. Many of the best commercial opportunities involve properties that need significant capital investment to reach their potential. Our value-add loans provide acquisition funding plus renovation capital, often based on after-repair value rather than current condition. This structure maximizes leverage while providing the funds needed for tenant improvements, common area upgrades, and exterior renovations.
Bridge Financing for Stabilization
Bridge the gap between acquisition and permanent financing with short-term loans designed for property stabilization. Commercial properties often need 6-18 months to reach stabilized occupancy and cash flow before qualifying for conventional permanent financing. Our bridge loans provide the time needed to execute business plans, lease vacant space, and demonstrate property performance before refinancing to long-term debt.
Cash-Out Refinancing
Unlock equity in existing commercial properties to fund new acquisitions, partner buyouts, or capital improvements. Commercial hard money cash-out refinancing can close quickly and doesn't require the extensive documentation and property inspections that slow conventional refinancing. Access equity trapped in your commercial portfolio to grow your business or address immediate capital needs.
Frequently Asked Questions
What types of commercial properties do you finance?
We provide hard money loans on virtually all commercial property types including office buildings, retail centers and strip malls, industrial warehouses and distribution facilities, multifamily apartment complexes (5+ units), mixed-use developments, self-storage facilities, hospitality properties, and special-purpose commercial buildings. Properties can be stabilized, value-add, or distressed opportunities. We evaluate each property based on its specific characteristics, location, and income potential rather than applying rigid property type restrictions.
What loan-to-value ratios are available for commercial properties?
Commercial hard money loans typically offer loan-to-value ratios between 60% and 75% depending on property type, condition, location, and occupancy. Stabilized properties in prime locations with strong cash flow may qualify for up to 75% LTV, while value-add or distressed properties may be limited to 60-65% LTV. We can also lend based on after-repair value or after-stabilization value for renovation projects, providing additional leverage for value-add strategies. Loan amounts consider both current value and the borrower's demonstrated ability to execute their business plan.
How is commercial hard money loan pricing determined?
Commercial hard money loan pricing considers multiple factors including property type, location, condition, occupancy, loan-to-value ratio, borrower experience, and market conditions. Interest rates typically range from 8.5% to 13% with origination points from 2-4 points. Stronger properties with lower leverage and experienced borrowers receive better pricing. We provide detailed term sheets showing all costs including interest rate, origination points, processing fees, and any other charges so you can accurately calculate your total cost of capital.
What documentation is required for commercial hard money loans?
Required documentation includes a current rent roll and operating statements for income-producing properties, lease abstracts for major tenants, property photos, environmental and property condition reports if available, borrower entity documents, and a detailed business plan or investment strategy. Unlike conventional lenders, we don't require extensive personal financial statements or tax returns. The focus is on property cash flow and the borrower's plan for the asset. We can often work with existing due diligence reports to expedite the process further.
Can you provide construction financing for commercial projects?
Yes, we offer construction and renovation financing for commercial projects with clear timelines and experienced development teams. Our construction loans include interest-only payments during the construction period, draw schedules tied to construction milestones, and experienced inspector oversight. We consider land equity toward down payment requirements and can structure loans that convert to mini-perm financing upon completion. Construction experience is important, we look for borrowers or their contractors with demonstrated ability to complete similar projects on time and budget.
Explore Other Loan Programs
Residential Property Loans
Hard money loans for single-family homes, condos, and residential investment properties in Los Angeles.
Land Acquisition Loans
Financing for raw land, development sites, and land acquisition projects throughout Los Angeles County.
Bridge Financing Loans
Short-term bridge loans to secure properties while awaiting permanent financing or sale of existing assets.
Ready to Get Started?
Contact us today to discuss your commercial property loans needs.
Call (213) 667-4815