If you are looking for a hard money loan on your commercial property in California, we can help.

For a hard money loan on commercial property, we look at a couple of factors. Typically our maximum loan to value is 65%, although we prefer to stay at or below 60% as determined by an appraisal. We will consider making a commercial loan on all commercial property types, multi-family, mixed use, hotels, both flag and non flag, industrial, even churches and other specialized property types.

To qualify for a hard money commercial loan with us, the loan to value is the largest factor, but we do like to see financials for the property. Typically we like to see 2 years of financials, but that is a guideline, not a hard and fast rule. Give us a call and we can discuss your scenario today. We do not require a minimum debt coverage, and many of our clients come to us for a hard money loan on their commercial property because the debt coverage is less than what their bank would prefer.

Because we utilize private lenders for our commercial real estate transactions, we have a lot of flexibility in what we can offer. We do not have to meet the black and white, stringent bank guidelines. Instead, we only have to structure a transaction that our private investor approves of that also meets the needs of our borrower.