California Commercial Bridge Loans
SVS Finance, Inc. concentrates on multiple property types including, Commercial, Mixed Use, Multifamily, Investment Residential Real Estate and Business Loans:
Our Bridge Loan Lenders specialize in Multifamily Bridge Loans, Commercial Bridge Loans, Industrial Bridge Loans as well as Construction, Value Add Renovation and Rehab Bridge Loans. We also offer Long Term, high Loan to Value permanent Financing Loans.
We also have Purchase and Refinance PIP Capital for Hotels: Flagged and Un-Flagged Properties including FF&E, PIP, Repurpose including high LTV and LTC Construction & Development Financing for Value-Add Renovation & Vertical Construction as well as Purchase & Refi Capital for Shopping Malls and Retail Properties: Term and Bridge Loans for Tenant Improvements and Value Add Improvements.
Other Classes of Commercial Real Estate we have experience with include, Senior and Assisted Living, Medical Office, Industrial and traditional Office Properties too. SBA and HUD programs also available as well ad Business Capital for Accounts Receivable and Equipment Financing as well as Supply Chain Financing with Invoice Factoring.
We do not do any Owner Occupied Residential Lending.
Quick Close Commercial Bridge Loan Program Parameters
| Property Type | Multifamily, Industrial, Hotels, Retail, Office, Medical Office |
| Geography | Most Major Metros in the United States |
| Loan Size | $2,000,000 to $400,000,000+ |
| Loan Types | First Mortgage; Mezzanine Case by Case |
| Rates | Fixed Rates from 7.75%; Floating SOFR + 300 to 850+ |
| Loan Fees | Generally from 2.00% to 3.00% |
| Recourse | Non-Recourse and Recourse Available |
| Prepayment | From None to Flexible |
| Loan to Value / Loan to Cost | 60-65% and Up to 75% LTV/LTC |
| Loan Term | 6 Months to 10+ years |
| DSCR | DSCR’s below 1.0x are acceptable |
| Amortization | Interest Only |
Traditional Commercial Bridge Loan Program Parameters
| Property Type | Multifamily, Industrial, Hotels, Retail, Office, Medical Office |
| Geography | California Only |
| Loan Size | $500,000 to $25,000,000 |
| Loan Types | First Mortgage |
| Rates | From 8.90% I/O |
| Loan Fees | Generally from 3.00% to 4.00% |
| Recourse | Non-Recourse |
| Prepayment | None |
| Loan to Value | 50-60% |
| Loan Term | 6 Months to 24 Months |
| DSCR | DSCR’s below 1.0x are acceptable |
| Appraisal | Not Required |
Learn more about our other Commercial Bridge Loans by clicking the Links below:
MultiFamiy Apartment Bridge Loans
Industrial Property Bridge Loans
Retail Shopping Property Bridge Loans
Hotel Bridge and Term Loans
Ranch and Ag Property Loans
Invoice Factoring Loans
Specialty Situation Financing: Real Estate BK Exit
and DIP Loans
Commercial Property Financing in California:
Bridging Your Ambitions in Commercial Real Estate
Navigating the commercial real estate landscape can be challenging, but with SVS Finance, Inc. you have a trusted partner by your side. As a renowned Commercial Mortgage Firm we specialize in all types of Commercial Bridge and Term Loans throughout California as well as other select states, we are committed to providing unparalleled bridge financing solutions for commercial properties.
After the Mortgage Meltdown of 2008, it became apparent that there was an underserved market niche that was created with the changing of mortgage Lending laws. A clear distinction between Consumer use Loans and Business use loans had narrowed the scope of which traditional Mortgage Lenders could operate.
This left Real Estate Developers, Investors and other Third-Party Originators (TPOs) who need specific types of Commercial and Investment Residential Financing with fewer options and more guideline limitations for conventional loan programs.
Commercial Lending Market Opportunity:
This lack of Conventional Loan Program options created a niche for new Lenders to enter the market to provide financing for opportunistic Developers and investors who needed financing for Ground Up and Transitional Assets.
Our Motto: Bridging the Gap between Bank and Private Money Commercial Financing was born out of this need and numerous National Commercial Short-Term Loan Bridge Loan Lenders, Debt and Equity Funds also realized this underserved market niche and have now become some of our favorite go to Lenders and Investors with the best loan rates over the last 10 years.
Specialized Clientele:
Large Scale Real Estate Investors and Developers are our core Focus. With our Tailored Commercial Real Estate Financing and Trust Deeds Platform we offer Borrowers a diverse suite of Debt, Equity and Structured Finance Programs from literally hundreds of seasoned and experienced Nationwide Lenders offering the highest Loan Amounts and best Interest Rates and quality Loan Terms. We have the depth of Lender relationships, be that Institutional Lender, Private Lender, Hard Money Lender, Debt and Equity Funds that can serve just about any Commercial Real Estate Investor or Developer’s needs.
We specialize in Commercial and Multifamily Real Estate Financing for all types of Commercial and Investment Properties that are need of stabilized permanent long term debt, reposition value add bridge renovation debt and equity along with ground up construction and development debt and equity for well qualified projects and sponsors.
Why Trust Us with Your Commercial Property Financing Needs?
1. Industry Expertise:
Our deep-rooted experience in commercial real estate loans sets us apart. We've been at the forefront of serving real estate investors, understanding the intricacies of various property types, from Commercial and Industrial properties to multifamily and mixed-use spaces.
2. Tailored Loan Programs:
Every borrower is unique, and so are their needs. Whether you're eyeing a short-term loan to renovate a commercial property or seeking long-term financing options like conventional financing, our diverse loan program portfolio has something for everyone.
3. Competitive Loan Rates:
We pride ourselves on offering some of the most competitive loan interest rates in the industry. Our transparent pricing model ensures that borrowers are aware of their loan amount, interest rates, and interest-only payments from the get-go.
4. Swift Application Process:
In the fast-paced world of commercial real estate, delays can be costly. Our efficient loan application process ensures timely responses to your loan request, allowing you to capitalize on lucrative opportunities.
5. Flexible Underwriting:
Traditional lenders can be restrictive, especially for those with a low credit score or unconventional financing needs. Our underwriting approach is designed to be inclusive, catering to both seasoned real estate investors and those seeking hard money loans.
6. No Hidden Charges:
With SVS Finance, Inc, what you see is what you get. We despise hidden prepayment penalties and inflated origination fees. Our commitment is to provide a seamless commercial bridge loan lenders experience.
7. Specialized Offerings:
Recognizing the diverse needs of our clientele, we offer niche business purpose loan programs and do not offer any consumer NMLS Loans on residential Real Estate. Our solutions are crafted to cater specifically to a experienced Borrowers, Real Estate Investors and Developers.
Your One-Stop Solution for Commercial Property Financing
From Los Angeles's bustling commercial hubs to Newport Beach's emerging business districts, our bridge loans are designed to cater to a wide array of commercial properties. Whether you're looking to refinance an existing asset, secure funds for a down payment, or transition from a hard money loan to more traditional financing, our team of seasoned mortgage brokers is here to guide you.
Moreover, for those seeking alternatives to conventional loan offerings, our partnerships with private money lenders and hard money lenders ensure that you're never short of financing options.
In Conclusion
In the dynamic realm of commercial real estate in California, having a reliable and knowledgeable lender is paramount. At California Bridge Loans, we don't just offer loans; we offer partnerships that pave the way for your commercial real estate aspirations. Whether you're exploring options for a cash-out refinance, seeking to understand loan rates, or simply need guidance on the application process, we're here to assist. Connect with us today and discover the California Bridge Loans difference.