Commercial Real Estate Lending
in the San Francisco Bay Area
- We are direct lenders not brokers with decision-making power in most cases within 24 hours
- Faster approvals and disbursements
- More flexible terms
- A range of options that include bridge loans and lines of credit, hard money loans, construction loans and short and long-term acquisition financing
- Increased access to funding even with imperfect or limited credit histories
- Added flexibility in choosing the acquisitions and the financing arrangements that are right for you and your company
- Approvals based on more than just a business credit score
- A wider array of choices to help you manage your financial situation and your cash flow more effectively now and into the future
Our depth of experience and knowledge of the San Francisco Bay real estate market allows us to make the best possible determination of the worth of the property you are considering and the amount you can borrow towards its purchase.
Give us a call today at 1-800-444-2948 or opens in a new windowsend us a message online to discuss your situation with one of our friendly and experienced customer support staff members.
We look forward to the opportunity to work with you to find the most cost-effective and practical solutions for all your commercial real estate needs.
Traditional Lending May Not be the Right Answer for Your Business Expansion in Southern California
Today, it is so hard for new or upcoming commercial real estate developers to secure bank funding. Without a colossal balance sheet and a long and proven track record of success, it is virtually impossible to obtain a construction loan. Many banks now prefer to work with a select few reliable borrowers they’re already familiar with. The present banking environment in California is extremely detrimental to new borrowers. Often, a strong credit score ( 700+), a large down payment, and massive cash reserves are all prerequisites for accessing loans from traditional lenders.
Alternatively, private lenders provide a variety of cost-effective commercial real estate financing solutions. Some of the most popular of these include:
Development loans are an excellent solution particularly if you wish to finance new commercial real estate projects in Sacramento, Modesto, Humboldt County, or Southern California. These sorts of loans tend to cater to the needs of contractors. Better, reputable alternative lenders like ReProp Financial offer very flexible terms for new borrowers who wish to secure financing for either new construction or extensive renovations.
Hard money lending
These sorts of commercial real estate financing tend to be structured in the same way as most traditional construction loans. Yet, unlike the terms of bank funding, you can still be eligible for hard money lending even if you’ve had serious credit challenges in the past.
These alternative commercial real estate financing options allow borrowers to leverage the equity on property or assets they own to finance new acquisitions or even renovate their existing real estate holdings.
Short-term construction loans
Also known as a bridge loan, a short-term construction loan is designed for developers who want reliable cash flows from the start of their construction projects to the actual sale of the finished properties. ReProp Financial’s short-term loans are meant to provide added support to borrowers who don’t wish to have cash flow challenges over the course of their commercial real estate construction projects.
Private money loans
Private money loans, as the name suggests, are offered by private investment groups or even individual venture capitalists. These types of commercial real estate loans tend to be structured like bridge loans. Additionally, like bridge loans, they are specifically designed for commercial real estate borrowers that experience cash flow problems over the course of their construction projects. Private money loans also offer the necessary financial support for property acquisitions or even renovation projects.
How to Apply
Call us today at 1-800-444-2948 or visit us online to submit your loan request. We look forward to the opportunity to work with you.