Business Details
47 Years
experience
Trusted Commercial Real Estate Loans in California
First Commercial has been a trusted name in commercial real estate lending since its founding in 1979. As a direct portfolio lender backed by private investors, we specialize in equity-based, non-consumer lending secured by first Trust Deeds and Notes on California real estate. Our unique approach avoids fractionalizing or pooling loans, ensuring each transaction involves only one investor. This structure eliminates complex compliance layers, allowing us to deliver quotes within one day and close deals in as little as five days. Licensed by the California Department of Real Estate (DRE #01188972), we operate with full transparency and no upfront fees.Our expertise spans retail, office, industrial, multifamily, and specialty properties, including mobile home parks, wineries, and worship notes. We prioritize speed, competitive pricing, and personalized service, distinguishing ourselves from traditional lenders. Our teams decades of experience in real estate investment provide clients with reliable access to capital for equity-based projects. By maintaining a streamlined process and focusing exclusively on California markets, we ensure deep local knowledge and tailored solutions for borrowers.
Services
Commercial Real Estate Loans
Hard Money Lending
Equity-Based Financing
Trust Deed Investments
California Property Loans
Industrial Property Loans
Retail Property Financing
Multifamily Home Loans
Mobile Home Park Loans
Winery & Vineyard Loans
Details
- Year established: 1979
Highlights and features
- We fund loans without fractionalizing or pooling capital.
- Quotes delivered within one day and closings in as little as five days.
- Licensed by the California Department of Real Estate since 1979.
- No upfront fees; all costs are paid from loan proceeds.
- Specialize in equity-based lending for California commercial properties.
Associations and certifications
- California Department of Real Estate (DRE)
Services
Commercial Real Estate Loans
We provide equity-based loans for commercial properties including retail, office, and industrial spaces. Our streamlined process ensures fast approvals and closings with transparent pricing. Clients benefit from competitive rates starting at 9.0% and no upfront fees.
Hard Money Lending
Our hard money lending focuses on asset-backed financing secured by California real estate. This approach prioritizes property equity over borrower credit history, offering flexible terms for investors needing quick capital access without traditional banking delays.
Trust Deed Investments
We specialize in first Trust Deeds and Notes, providing secure investment opportunities backed by California properties. This method ensures investors maintain priority in collateral claims while supporting borrowers' equity-building goals.
Equity-Based Financing
Our equity-based financing solutions leverage property value as primary collateral. This model suits investors seeking capital for renovations, acquisitions, or development projects with minimal bureaucratic hurdles.
California Property Loans
Focused exclusively on California markets, our loans cater to regional property types including mobile home parks, wineries, and specialty commercial spaces. Deep local expertise ensures tailored financing solutions for state-specific opportunities.
Questions
What types of properties do you finance?
We finance retail, office, industrial, multifamily homes, mobile home parks, leased yard spaces, used car lots, wineries, vineyards, and worship notes in California.
What are your current loan rates?
Our rates start as low as 9.0% for equity-based commercial real estate loans.
How quickly can you close a loan?
We typically close loans in as little as five days after receiving necessary documentation.
Are there upfront fees for your services?
No, we never charge upfront fees. All costs are paid from loan proceeds.
Are you licensed to operate in California?
Yes, we are licensed by the California Department of Real Estate (DRE #01188972).
How do you differ from traditional lenders?
We avoid pooling or fractionalizing loans, ensuring direct investor involvement and faster decision-making.
