Commercial Real Estate Loans in California

Nelson Funding provides construction loans, bridge financing, and permanent financing for commercial real estate projects across California. We work with developers, investors, and business owners in Los Angeles, San Francisco, San Diego, San Jose, and throughout the state.

Call Us Today

Financing for California Commercial Projects

Financing commercial real estate in California requires understanding local market dynamics and having access to flexible capital. Whether you’re building in Greater Los Angeles, acquiring property in San Francisco, or repositioning assets in Bakersfield, you need a lender who can structure terms around your project timeline.

Financing Options for California Commercial Projects

Construction Loans

Ground-up construction financing

Ground-up construction financing for new commercial developments across California. We fund multifamily apartments, industrial warehouses, retail centers, office buildings, and mixed-use projects. Our construction loans include flexible draw schedules, interest-only payments during construction, and loan amounts from $2 million to over $100 million. Common projects include developments in Los Angeles and San Diego, industrial facilities in San Francisco Bay Area, and commercial buildings in Riverside. We finance deals throughout California including markets where banks require local branch relationships.

Construction Loans

Bridge Loans

Short-term financing

Short-term financing for acquisitions, stabilization, and value-add improvements. Bridge loans solve timing problems. Close an acquisition in three weeks. Fund property improvements while you stabilize occupancy. Fill the gap between construction completion and permanent financing eligibility. Terms range from 12 to 36 months with interest-only payments and flexible prepayment options. Common uses include lease-up financing, value-add renovations, tenant improvements, and fast-close acquisitions.

Bridge Loans

Permanent Loans

Long-term fixed-rate financing

Long-term fixed-rate financing for stabilized income-producing properties. Once your property is leased and operating, permanent financing locks in long-term debt at predictable rates. We arrange permanent loans for multifamily, office, retail, industrial, and mixed-use properties with proven cash flow. Terms range from 5 to 30 years with competitive fixed rates.

Permanent Loans

$1B+

Loans Funded

24/7

Support

7-14

Days to Close

98%

Client Satisfaction

Nelson Funding vs. Traditional Banks

Traditional banks use committee approvals and conservative underwriting. We make decisions quickly and structure loans around project economics and sponsor experience.

Feature Nelson Funding Utah Banks
Approval Time 7 to 14 days 45 to 90 days
Loan Amounts $1M to $100M+ Limited by branch caps
Loan Terms Customized to project Standardized products
Property Types All commercial asset classes Basic commercial only
Markets Served Statewide including rural areas Require local presence

California Commercial Real Estate Market

Diverse sectors driving activity

Primary Markets

Los Angeles and San Francisco anchor California's commercial real estate activity with diverse property sectors and institutional investment.

Growth Sectors

Inland Empire logistics hub and Port of Los Angeles drive demand for industrial and logistics properties. Multifamily development remains active in Greater Los Angeles.

Secondary Opportunities

Markets like Bakersfield, Riverside, and Stockton offer value-add opportunities and lower barriers to entry for experienced developers.


Recent Commercial Real Estate Loans Funded

See Our Recently Funded Commercial Loans

Nelson Funding Closes $10,000,000 Cash-Out Refinance on Retail Development in West Haven, Utah

Nelson Funding Closes $10,000,000 Cash-Out Refinance on Retail Development in West Haven, Utah

Type: Bridge
Last Updated: January 20, 2026

Nelson Funding is pleased to announce the successful closing of a $10,000,000 cash-out refinance secured by a partially completed retail development ...

View Deal
Nelson Funding Closes $11,100,000 Ultra-Luxury Spec Construction Loan in the Marcella Development of Deer Valley East

Nelson Funding Closes $11,100,000 Ultra-Luxury Spec Construction Loan in the Marcella Development of Deer Valley East

Type: Construction
Last Updated: January 20, 2026

Nelson Funding is proud to announce the closing of an $11,100,000 ultra-luxury spec construction loan within the highly anticipated Marcella Developm...

View Deal
Nelson Funding Closes $7,500,000 Mini-Perm Refinance in New Braunfels, Texas

Nelson Funding Closes $7,500,000 Mini-Perm Refinance in New Braunfels, Texas

Type: Permanent
Last Updated: January 20, 2026

Nelson Funding is pleased to announce the successful closing of a $7,500,000 commercial loan in New Braunfels, TX. The financing was used to refinanc...

View Deal

Common Questions About Commercial Loans in California

What property types do you finance?

We finance multifamily apartments, office buildings, industrial warehouses, retail centers, hospitality properties, and mixed-use developments. Each project gets evaluated based on location, sponsor experience, and market fundamentals rather than rigid property type restrictions.

How fast can you close?

We provide initial feedback within 48 hours and issue loan commitments within 7 to 14 days. Actual closing depends on title work, appraisals, and legal documentation, but we prioritize speed when you need fast execution.

Do you lend outside major cities?

Yes. We finance projects throughout California including Bakersfield, Riverside, Stockton, and other secondary markets. We evaluate each project on its specific merits rather than only lending in Los Angeles and San Francisco.

Can you finance ground-up construction?

Yes. Construction loans are central to what we do. Our construction program includes interest reserves, flexible draw schedules matching contractor payment applications, and the ability to finance complex projects with phased timelines.

What makes you different from banks?

Banks require 45 to 90 days for approvals, offer standardized products, and limit loan amounts. We make decisions in 7 to 14 days, customize terms to project needs, and finance deals that don't fit traditional underwriting boxes.

Get Pre-Qualified for a Commercial Loan in California

Whether you're developing multifamily in Los Angeles, acquiring industrial property in San Francisco Bay Area, or repositioning commercial assets in San Diego, we can structure financing for your project.


Speak with a Loan Specialist
Featured Lenders
Trusted by top financial institutions
Industry Affiliations
Member of leading industry associations
$5+ Billion Funded
In Commercial Real Estate Loans