FIDELITY FUNDING (877) 300-3007

California Commercial Hard Money Loans

Commercial real estate transactions in California are often complex and highly competitive. When a deal needs to close quickly or falls outside the rigid parameters of conventional banking, our commercial hard money loans provide the necessary leverage. We offer bespoke financing solutions for a wide range of commercial asset classes.

Whether you are acquiring a vacant retail center for repositioning, securing bridge debt for an industrial warehouse, or executing a cash-out refinance on a multifamily complex, we evaluate the intrinsic value of the real estate to deliver timely, reliable capital.

Key Facts

  • Funding for Retail, Office, Industrial, and Multifamily
  • Loan amounts up to $25M+
  • Value-add and stabilization financing
  • No strict occupancy requirements
  • Flexible prepayment terms
  • Quick closings to meet 1031 exchange deadlines
  • Creative structuring tailored to the asset

Frequently Asked Questions

What commercial property types do you finance?

We finance multifamily (5+ units), retail, office buildings, industrial warehouses, mixed-use, and occasionally hospitality or special-use properties on a case-by-case basis.

Can I use a commercial hard money loan for a 1031 exchange?

Yes, our fast closing times make these loans excellent tools for meeting strict 1031 exchange deadlines.

Do you require historical operating statements?

While helpful, they are not strictly required if the property is vacant or undergoing a repositioning where future stabilized value is the primary metric.

What is the maximum LTV for commercial hard money?

Leverage typically caps at 65% to 70% LTV for commercial assets, depending on location and property type.

Are environmental reports required?

Yes, a Phase I Environmental Site Assessment (ESA) is generally required for commercial properties.

Get a California Term Sheet Today

Fidelity Funding Corp · Direct California private money lender since 2006

(877) 300-3007

450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT

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