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Commercial Mortgage Loans in California
Permanent financing for income-producing property in California. We arrange hard money bridge loans from $500K to $2M.
- $500K+
- Terms up to 10 years
- Up to 75% LTV
On select programs, subject to lender approval. Not all applicants will qualify.
Buying or refinancing income-producing property in California? Blue Fox Capital arranges commercial mortgages through third-party lenders for multifamily, office, retail, industrial and mixed-use properties. Send the property address, requested loan amount, rent roll and operating statement so we can review financing options for your purchase, refinance or maturing loan. Programs and terms depend on the property, borrower and lender approval.
Loan Highlights
- Loan Amount: $500K+
- Loan Term: Up to 10 years
- Amortization Period: up to 30 years on select programs
- Loan-to-Value: varies by property type; up to 75% on select programs
- Closing Time: typically 30–60 days, subject to lender approval
- Geographic Area: California
Hard Money Bridge Loans
Blue Fox Capital arranges hard money bridge loans from $500,000 to $2,000,000 on investment and commercial property. Programs, terms and states vary and are subject to underwriting and approval.
Property Types We Finance
- Multifamily — Apartment buildings (5+ units)
- Office — Single-tenant and multi-tenant office buildings
- Retail — Shopping centers, strip malls, standalone retail
- Industrial — Warehouses, distribution centers, flex space
- Mixed-Use — Commercial + residential combination properties
- Special Purpose — Self-storage, hospitality, and other specialty assets
Commercial Mortgage Financing in Los Angeles and Orange County
For commercial property in Los Angeles County and Orange County, we start with the property rather than a rate sheet. A financing review looks at in-place rents and income, occupancy and lease rollover, the existing loan balance and maturity, and what you want the financing to do: fund a purchase, refinance a maturing loan, or pull out equity.
Where the numbers fit, we match the request to third-party lenders. Stabilized multifamily and mixed-use property, owner-occupied commercial property and transitional assets that need a commercial bridge loan are reviewed differently, so tell us which describes your deal. Programs, terms and availability vary by property and are subject to lender approval.
Commercial Mortgage Financing in Palmdale and the Antelope Valley
We arrange commercial mortgage financing for income-producing property in Palmdale, Lancaster and the surrounding Antelope Valley, including multifamily, retail, industrial and mixed-use. Send us the property address, your purchase or refinance goal and the income details, and we will tell you which lender programs may fit. Availability, terms and loan amounts vary by property and are subject to lender approval.
Owner-Occupied vs. Investment Property
| Feature | Owner-Occupied | Investment Property |
|---|---|---|
| LTV | Up to 75% | Up to 70% |
| Income Qualification | Business income + property income | Property income (NOI) |
| SBA Eligible | Yes | No |
| Non-Recourse Available | Case-by-case | Yes |
Program Features
- Non-Recourse Financing — Protect your personal assets with non-recourse loan structures
- Interest Rate Swaps — Available on select larger loans
- SBA Loan Programs — Available for qualifying owner-occupied properties
- Flexible Underwriting — We work with complex deals and unique property types
- 24-Hour Term Sheets — Get your quote fast so you can move on your deal
Why Blue Fox Capital for Commercial Mortgages?
- California Specialists — Deep knowledge of California commercial real estate markets
- Experienced Leadership — CEO Daniel Eckhouse brings 20+ years of mortgage industry experience
- Direct Access — Work with decision-makers, not junior account reps
- Lender Relationships — We compare structures across third-party lenders
Get Your Commercial Mortgage Quote
Ready to finance your commercial property? Call (310) 756-3619 or request your term sheet — we target a term sheet within 24 hours (not an approval).
← Back to All ProductsGet a Commercial Mortgage Quote
Looking for long-term financing on a commercial property? Tell us about your deal and a loan advisor will be in touch.
What to Have Ready for a Financing Review
Rent roll, trailing 12-month operating statement, purchase contract or current loan statement, entity documents and a schedule of owned real estate. Request a financing review by calling (310) 756-3619 or using the quote form above.
Illustrative Scenarios
These examples show how we think through a request. They are illustrations, not completed transactions, offers or quotes. Percentages and figures are assumptions.
Illustrative example: maturing loan on a mixed-use building
An owner has a $2,400,000 loan on a mixed-use building that matures in 90 days. The lender will not extend. Trailing 12-month net operating income is $210,000. If a lender in this example required a 1.25 debt service coverage ratio, the property could support annual debt service of up to $168,000 ($210,000 ÷ 1.25). We would compare that limit with the debt service on the requested loan to see whether a permanent refinance fits, whether a smaller loan is more realistic, or whether a short-term bridge loan should come first while the property is brought up to a level a permanent lender will accept. Our guide Commercial Loan Coming Due: What to Prepare Before Refinancing walks through the documents and numbers.
Illustrative example: purchase of a neighborhood retail center
A buyer is under contract on a retail center at $3,500,000. If a program in this example allowed up to 70% loan-to-value, the maximum loan would be $2,450,000 ($3,500,000 × 70%) and the buyer would need about $1,050,000 for the down payment before closing costs and reserves. Tenant mix and lease terms would affect how a lender views the income and whether leverage is reduced. A rent roll and operating statement from the seller let us review options before the buyer commits to a timeline.
Illustrative example: business buying its own building
A company that leases its warehouse is considering buying it. Lenders on owner-occupied commercial property usually look at the business’s income as well as the building. We would ask for the last two years of business financials and tax returns, the purchase contract and the entity documents, then see whether the business supports the payment by itself.
Commercial Mortgage FAQ
What types of properties qualify for commercial mortgages?
Multifamily (5+ units), office, retail, industrial, mixed-use, hospitality, and special-purpose properties can all qualify for commercial mortgage financing.
What is the typical term on a commercial mortgage?
Terms generally range from 5 to 10 years with amortization periods of 20 to 30 years. Some programs offer longer fixed-rate terms.
Do you finance owner-occupied commercial properties?
Yes. We offer both investor and owner-occupied commercial mortgage programs through third-party lenders.
What LTV can I get on a commercial mortgage?
Commercial mortgage LTVs vary by property type, occupancy and borrower qualifications, up to 75% on select programs.
My commercial loan matures soon. How early should I start?
Many owners start four to six months before maturity. A commercial refinance commonly takes 30 to 60 days or more after terms are agreed, and appraisals and other reports can add time. If time is short, a bridge loan may help.
What documents do I need to start a commercial financing review?
Typically a rent roll, a trailing 12-month operating statement, the current loan statement or purchase contract, entity documents and a schedule of owned real estate.
Do you finance commercial property in Los Angeles and Orange County?
Yes. We arrange commercial mortgages for income-producing property across California, including Los Angeles and Orange County, through third-party lenders. Programs and terms depend on the property, the borrower and lender approval.
Does Blue Fox Capital Corporation make these loans itself?
Blue Fox Capital Corporation lends on select DSCR, fix-and-flip and construction programs and arranges other financing, including commercial mortgages, as a mortgage broker through third-party lenders. Terms and availability vary and are subject to lender approval.
Blue Fox Capital Corporation lends on select DSCR, fix-and-flip and construction programs and arranges other financing as a mortgage broker through third-party lenders. CA DRE 01527288 | NMLS 1840487. Daniel Eckhouse, NMLS 217328 | CA DRE 01977403. The loans described on this page are business-purpose loans secured by non-owner-occupied investment or commercial property. They aren’t available for a home you live in or plan to live in. Program ranges are marketing ranges, not guarantees. They’re subject to change without notice, and to borrower qualification, property eligibility, appraisal and lender approval. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Opportunity. 66350 Pierson Blvd, Suite A, Desert Hot Springs, CA 92240 | (310) 756-3619 | dan@bluefoxcapital.com