Best Commercial Lenders in California (2026)
Compare commercial lenders serving California real estate investors. We found 1 lenders offering commercial real estate loans in California — see rates, LTV, credit requirements, and expert reviews below.
Investing in California
Highest property values in the US, strong appreciation but challenging cash flow. Strict rent control in major cities. Out-of-state investors often use California equity to invest in cash-flow markets.
Key Markets
Typical Rates
5.5%–9.0%
Max LTV
65%–80%
Typical Terms
5–30 years
Min Credit
660+
Commercial Lenders Serving California
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Velocity Mortgage Capital | 6.5%–9% | 75% | 660 | $100K–$5M | 21–45 days | 4.0 |
About Commercial Real Estate Loans in California
Financing for 5+ unit multifamily, office, retail, industrial, and mixed-use investment properties. Includes agency debt (Fannie/Freddie Small Balance), CMBS, bank loans, and private credit.
California real estate investors use commercial real estate loans for multifamily investors (5+ units) and commercial property investors. Compare commercial terms from multiple lenders to find the best fit for your California investment strategy.
Other Loan Types in California
Commercial Lenders in Nearby States
Analyze Your California Deal
Use our free calculator to see if your California investment works with Commercial financing.