Commercial Real Estate Loans (2026 Guide)
Smart, flexible, and fast commercial financing for investors and developers.
Build, buy, refinance, or reposition commercial real estate with a lending strategist on your side.
Smart investors don’t chase the lowest rate — they structure the smartest deal. Whether you’re acquiring, refinancing, repositioning, or developing commercial property, the right financing can dramatically change your returns.
This 2026 Commercial Real Estate Loan Guide explains how commercial loans work, what lenders look for, which loan types are available, and how we can structure a deal that fits your project, risk tolerance, and exit plan.
Types of Commercial Real Estate Loans
We offer financing for all major CRE asset classes in California.
Multifamily (5+ Units)
Stabilized, value-add, and acquisition financing.
Office Buildings
Medical, professional, creative office, and owner-user buildings.
Retail Properties
Strip centers, NNN retail, restaurants, and anchored/unanchored centers.
Industrial & Warehouse
Distribution, flex industrial, small-bay multi-tenant, and manufacturing.
Mixed-Use
Residential over retail, office/residential blends, and urban infill.
Special-Use Properties
Hotels, self-storage, auto-related, RV parks, senior housing, and other niche assets.
Bridge Loans
Fast, flexible capital for acquisitions, repositioning, or maturing debt.
Construction & Development Loans
Ground-up, heavy rehab, TI, and adaptive reuse.
DSCR-Based Loans
Cash-flow-based underwriting for investors and self-employed borrowers.
Stated-Income CRE Loans
Ideal for self-employed borrowers and complex income scenarios.
Hard Money CRE Loans
Asset-based, fast decisions, flexible structures.
What Commercial Lenders Look For in 2026
- NOI (Net Operating Income)
- DSCR (Debt Service Coverage Ratio)
- LTV / LTC based on risk and asset class
- Property condition & location
- Tenant mix & lease strength
- Borrower experience & liquidity
Typical Commercial Loan Terms (2026)
- LTV: 60%–75% depending on asset class
- Amortization: 20–30 years
- Interest-only options available
- Bridge rates: typically 9%–12%
- Permanent rates depend on DSCR & risk
California Commercial Markets We Serve
- Los Angeles County
- Orange County
- San Diego County
- Ventura County
- Santa Barbara County
- Bay Area
We also finance strong deals statewide and can structure loans outside these counties case-by-case.
Start Your Commercial Loan Request
Tell us about your deal, strategy, and goals. We’ll map out the most realistic financing structures available in today’s 2026 market — before you waste time chasing the wrong lender.
FAQ
What credit score do I need for a commercial real estate loan?
Most CRE programs start around 660–680. Bridge and hard money options can go lower when equity and strategy are strong.
Can I qualify if I’m self-employed?
Yes. We offer DSCR, bank-statement, and stated-income CRE programs designed specifically for self-employed borrowers.
How long does it take to close?
Bridge loans can close in 5–10 days. Permanent CRE loans generally take 30–45+ days depending on reports and complexity.
Do you finance mixed-use and special-use properties?
Yes. We regularly finance mixed-use, hospitality, storage, and other specialty assets when the numbers and exit plan make sense.