Loan Programs
Commercial
SBA owner-user, agency multifamily, NNN credit-tenant, and private-capital bridge for commercial real estate.
SBA
SBA 7(a) Owner-User
Up to $5M SBA-guaranteed loan for owner-user real estate acquisition and business needs.
View program
SBA
SBA 504 Owner-User
Fixed-rate SBA loan for owner-user commercial real estate acquisition or construction. 50/40/10 structure.
View program
Commercial
Conventional Commercial Real Estate
Bank-balance-sheet commercial mortgages — retail, office, industrial, mixed-use.
View program
Agency Multifamily
Fannie Mae DUS (Multifamily)
Fannie Mae Delegated Underwriting and Servicing loans for 5+ unit multifamily.
View program
Agency Multifamily
Freddie Mac SBL (Small Balance Multifamily)
Freddie Mac Small Balance Loan — $1M–$7.5M on 5+ unit multifamily.
View program
Agency Multifamily
HUD 223(f) (Multifamily Refi/Acquisition)
FHA-insured 35-year fully-amortizing loan for existing multifamily.
View program
Agency Multifamily
HUD 221(d)(4) (Multifamily Construction)
FHA-insured construction-to-permanent multifamily financing. 40-year fully-amortizing.
View program
Commercial
CMBS
Commercial Mortgage-Backed Securities — non-recourse, 10-year, fixed-rate commercial loans.
View program
Commercial
Life Insurance Company Loan
Long-term, fixed-rate commercial mortgages from life insurance company balance sheets.
View program
Construction
Ground-Up Commercial Construction
Construction financing for retail, industrial, office, or mixed-use development.
View program
NNN / Net Lease
NNN Credit-Tenant Financing
Long-term non-recourse financing on single-tenant NNN properties with credit tenants.
View program
FAQ
Common questions
When should a California business owner choose SBA 7(a) vs 504?
7(a) is flexible for owner-user real estate plus working capital and equipment. 504 pairs a bank first with a CDC debenture second for long-term fixed real estate purchases — often better long-run pricing when the project is primarily bricks-and-mortar.
Do you place multifamily agency loans (Fannie / Freddie / HUD)?
Yes — Fannie Mae DUS, Freddie Mac SBL, and HUD 223(f)/221(d)(4) for qualifying multifamily. Occupancy, debt yield, and property condition drive which path prices best.
What is NNN credit-tenant financing?
Long-term financing secured by a single-tenant property leased to a strong credit tenant (often investment-grade) on a triple-net lease. Pricing can look more like corporate credit than traditional CRE when the tenant and lease term are strong.
How long do commercial loans take to close?
Bridge can close in weeks when the file is clean. Permanent agency or SBA transactions often run 45–90+ days depending on appraisal, environmental, and CDC or agency queues. We set timeline expectations at scenario stage.