Commercial Mortgage Loans in California
Blue Fox Capital provides competitive commercial mortgage financing for income-producing properties throughout California. Whether you are purchasing, refinancing, or expanding your commercial real estate portfolio, we deliver 24-hour term sheets and flexible underwriting.
Loan Highlights
- Loan Amount: $500K+
- Loan Term: Up to 10 years
- Amortization Period: 20–40 years
- Interest Rates: Low 5s
- Loan-to-Value: Up to 75%
- Closing Time: 30–60 days
- Geographic Area: California
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
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 — Lock in competitive fixed rates through swap structures
- 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
- Competitive Rates — Leverage our lender relationships for the best available terms
Get Your Commercial Mortgage Quote
Ready to finance your commercial property? Call (310) 756-3619 or request your term sheet — we respond within 24 hours.
Get 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.
Request a Quote | (310) 756-3619
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 with competitive rates and terms.
What LTV can I get on a commercial mortgage?
Commercial mortgage LTVs typically range from 65% to 80%, depending on the property type, occupancy, and borrower qualifications.