Commercial Lending
Financing across the full range of commercial property types, from stabilized acquisitions to value-add repositioning.
A commercial real estate debt fund is a private equity backed fund that pools individual investor capital and deploys that capital into commercial real estate debt opportunities. Debt funds are less regulated than banks, giving them more flexibility to work with buyers and landlords — which can be especially beneficial in negotiating favorable rates and terms on requests that don't fit a conventional bank's box.
Based in San Rafael, we arrange commercial financing for Bay Area property owners as well as investors nationwide.
Apply Now- Owner-occupied and investment financing
- West Coast & nationwide programs
- Maximum 90% loan-to-value
- Nationwide lending from $500,000+
- SBA & conventional options
- Improvement & equipment loans available
| Lending Area | Nationwide, with preferred programs for Western states |
|---|---|
| Loan Amount | $1,000,000 and up nationwide; $350,000 and up in California |
| Maximum LTV | Up to 80%, based on risk and in-place cash flow |
| Fixed Rates | Starting at — |
| Amortization | 30-year amortization standard |
| Recourse | Non-recourse options available |
| Prepayment | Ranges from none to yield maintenance or stepdown |
| Underwriting | Starting at a 1.15x debt service coverage ratio |
Commercial lending questions
Owner-user financing is underwritten primarily on the operating business's financials, since the owner occupies the property. Investment commercial financing is underwritten on the property's own net operating income, since the borrower doesn't occupy the space themselves.
Yes — we're based in San Rafael and regularly arrange commercial financing for properties throughout Marin County, San Francisco, and the greater Bay Area, alongside our nationwide lending programs.