Loan Program
Commercial Property Loans in Los Angeles, CA
Expedited financing for office, retail, industrial, and mixed-use commercial properties — from DTLA Arts District to the South Bay industrial corridor.
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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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. our lending team can fund transactions that conventional lenders won't touch, including properties with occupancy challenges or those requiring immediate capital improvements.
Value-Add & Repositioning Loans
LA's commercial market is full of properties generating 40–60% of their potential NOI because the current owner hasn't invested in improvements or hasn't actively managed leasing. Our value-add commercial loans fund acquisition plus renovation capital in a single loan, based on stabilized after-improvement value rather than distressed current NOI. We finance the Koreatown retail strip that needs new storefronts, the Hollywood office building converting to creative space, and the industrial building in Commerce that needs dock upgrades to attract logistics tenants.
1031 Exchange Bridge Capital
The IRS gives exchangers 45 days to identify and 180 days to close on replacement properties. In a market as competitive as Los Angeles, the replacement property often needs to close in 30–45 days or it goes to someone else. We provide 1031 bridge financing that allows investors to close the replacement property on the hard money loan, complete the exchange, and then refinance into permanent financing after the intermediary releases funds. We coordinate directly with qualified intermediaries and can structure around escrow timelines to make the exchange mechanics work.
Foreign National & Entity Borrower Financing
We regularly close commercial loans for Chinese, Korean, Iranian, and other international investors purchasing through California LLCs, Delaware holding companies, or offshore structures. We don't require the extensive personal financial statements and foreign income verification that conventionally underwritten loans demand. We focus on the property, the entity, and a clear exit strategy. For investors building US commercial portfolios, we can work with family trust structures and multi-entity ownership arrangements that most lenders find too complicated to document.
Frequently Asked Questions
What types of commercial properties do you finance?
we finance borrowers directly 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.
How do you handle 1031 exchange bridge loans?
We've closed many 1031 bridge loans in Los Angeles. The typical structure: you identify your replacement property, we fund the acquisition with a short-term hard money bridge loan (typically 6–12 months), and when the qualified intermediary releases exchange funds from your relinquished property sale, those funds pay off the bridge. We coordinate directly with your QI and can structure around exchange timing to make the mechanics work cleanly. We've closed 1031 bridges in as little as 7 days when title and docs were ready.
Do you lend to foreign nationals and offshore entities?
Yes. A significant portion of our commercial borrowers are international investors structuring through California LLCs or offshore entities. We don't require the extensive personal financial documentation and foreign income verification that conventional lenders demand. We focus on the property, the equity, and the exit strategy. We work with attorneys who specialize in foreign national real estate transactions and can coordinate efficiently with international capital structures.
What commercial property types do you finance?
We finance office buildings (Class A through C), retail centers and strip malls, industrial warehouses and flex buildings, mixed-use properties with residential and commercial components, self-storage, hospitality, and specialty commercial assets. Properties can be stabilized, transitional, or requiring significant renovation. We evaluate each property on its individual merits and submarket position.
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