Commercial Real Estate Lending

in the San Francisco Bay Area

Are you looking for the best options for your commercial real estate business?
If you are looking for commercial real estate lending in the San Francisco Bay area, we can help with the fastest funding and the most favorable terms possible for your business enterprise. Whether you need commercial real estate financing to acquire existing properties or to fund new construction, our team of experts in the field of commercial real estate lending can provide you with the right solutions in the San Francisco Bay Area.
Our team serves San Francisco, San Jose and Oakland
We serve the entire San Francisco bay area with the best selection of commercial real estate loans to help you grow your business. You can depend on our team of real estate funding professionals to provide in-depth knowledge of the real estate market in our area and the available options for your commercial real estate lending needs. By working with us, you can enjoy the benefits of our expertise and experience in this fast-paced and volatile industry.
We can deliver funding when you need it most
Many of the major players in the traditional commercial lending environment have demonstrated a definite aversion to risk in recent years. We can help you find the funding you need even when the big banks and lending institutions have refused to help. We are direct lenders, not brokers and our borrowers expect quick and direct decisions from our team which we have been doing for over 30 years. By working with us, you can enjoy a wider array of options in the San Francisco bay real estate market. Our team of experts in the commercial mortgage field can help you find the right financing for your next acquisition or project.
Our loans offer major advantages for your business operations
By opting for alternative commercial real estate financing options, you can enjoy a number of proven benefits for your company and your financial bottom line:

  • 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.

Why choose us?
ReProp Financial has a proven reputation for flexibility and fair dealings in the San Francisco Bay area. Because we are not tethered to a restrictive set of rules, we can often provide you with a commercial real estate lending solution that is tailor-made for you and your needs. Our dedicated team of professionals can work with you to find the right approach for your financing requirements. In some cases, we can even put together a package that incorporates all aspects of your project and provides you with maximum flexibility when managing cash flow for your company.
We offer customized real estate lending options in the San Francisco Bay area
Our experienced consultants will sit down with you to discuss your upcoming project or acquisition to help you determine the right approach to your funding needs. We are committed to providing the best and most personalized services, allowing you to enjoy the widest array of commercial real estate lending options in the San Francisco Bay area. By tailoring loan options to your needs, your proposed collateral and your ability to repay, we can help you make the right moves at every step of your real estate acquisition and development project.
Why wait? Call ReProp Financial today to get started
ReProp Financial can provide you with the commercial real estate loans and the proven expertise and knowledge you need to succeed in the San Francisco Bay marketplace.

Give us a call today at 1-800-444-2948 or send 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

The Great Recession of 2008 brought to prominence some far-reaching repercussions as the government enacted new rules to ensure a repeat of the crisis never occurred. One of the sectors that were hard-hit by these legislations was the banking industry. To this end, most banks and other mainstream financial entities in Southern California have adopted a more conservative approach toward funding commercial real estate development. There are a number of factors that have compelled banks to be cautious in this context. In the first place, the advent of regulatory processes like the Tier 1 Capital rules together with the high volatility commercial real estate (HVCRE) laws have placed banks in a tight position.
Current Effects on U.S. Real Estate Markets
real estate investment and office
Fortunately, there is still hope for commercial real estate borrowers. Should you be on the prowl for a reasonable financing or construction loans, alternative lenders such as ReProp Financial can be just what the doctor ordered. Because of the tight requirements demanded by traditional lenders, increased borrower demand, and mounting interest rates imposed on new borrowers, securing financing from alternative lenders for commercial real estate projects in areas like Sacramento, Modesto, Humboldt County, Southern California has never been easier. Whether you are seeking financing for a new construction project, to make new acquisitions, or to renovate your existing holdings, there is always a solution to suit your needs and preferences.
Bank lending for commercial real estate in Southern California is on the decline
The emergence of expanded regulations in the financial sector has caused many banks in California to become wary of commercial real estate lending. Thanks to serious constraints imposed by the government, banks have opted to hike interest rates and fees they demand from new developers. Nowadays, very few banks in Sacramento, Modesto, Humboldt County, or Southern California still offer low-leverage construction loans. These traditional lenders now demand high levels of personal recourse for their commercial real estate loans. Worse still, they have a preference for borrowers with rock-solid financial track records. As a direct result, most banks have raised the bar even higher when it comes to new borrowers’ eligibility for construction loans.
Increased Chance of Approval
Know the Value of Your Note

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:

SBA 504 Loans

Development loans

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.

Long-term Financing

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.

Borrowing From an Alternative Lender Will Ruin Your Credit

Collateralized/asset-based loans

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.

image Construction Loans From Alternative Lenders

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.

Speed of Processing

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.

As you can see, you will always be spoilt for choices when it comes to picking the best commercial real estate construction loan for your unique needs and circumstances in California. You can never go wrong by giving ReProp Financial a call today!

How to Apply

ReProp Financial is a first lien alternative lender for SBA CDC/504 loan applications. We make it easy to apply and qualify for these funding options. Our team will work with you to provide guidance and support for your loan application.

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.

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