Commercial Loans

Commercial Real Estate Financing in California

Commercial real estate loans provide financing for properties used primarily for investment or business purposes. Xcel Funding LLC works with real estate investors, developers, property owners and business-purpose borrowers throughout California.

Depending on the property, transaction and loan program, commercial financing may be available for acquisitions, refinances, bridge transactions, renovations, repositioning projects and other business-purpose real estate needs.

What Types of Commercial Properties Can Be Financed?

Commercial real estate financing may be available for a variety of property types, including:

 
• Multifamily Properties: Apartment buildings and other qualifying income-producing residential properties.

 
• Office Properties: Professional, medical and other office buildings.

 
• Retail Properties: Retail centers, storefronts and other qualifying retail properties.

 
• Industrial Properties: Warehouses, distribution facilities and other industrial real estate.

 
• Mixed-Use Properties: Properties combining residential, retail, office or other commercial uses.

 
• Owner-Occupied Commercial Real Estate: Properties used by a business for its own operations, subject to applicable program requirements.

 
• Other Commercial Properties: Additional commercial property types may be considered depending on the loan program and transaction.

Eligible property types and loan structures vary by lender and program.

What Can a Commercial Real Estate Loan Be Used For?

Commercial real estate financing can be structured around a variety of business and investment objectives, including:

 
• Property Acquisition: Financing the purchase of commercial or investment real estate.

 
• Refinancing: Replacing existing commercial real estate debt with new financing.

 
• Cash-Out Refinancing: Accessing available equity for qualifying business purposes.

 
• Bridge Financing: Short-term financing for acquisitions, transitions or time-sensitive transactions.

 
• Renovation and Repositioning: Financing improvements or changes intended to reposition a commercial property.

 
• Business-Purpose Financing: Real estate-secured financing for other qualifying business purposes.

How Do Commercial Real Estate Loans Work?

Commercial real estate loans are generally underwritten based on a combination of the property, transaction, borrower and proposed business plan. Requirements vary by lender and loan program.

Factors that may be considered include:

 
• Property Value: The current or applicable property value relative to the requested loan amount.

 
• Property Income: Existing or projected income generated by the property when applicable.

 
• Loan-to-Value: The relationship between the loan amount and property value.

 
• Borrower Experience: Relevant ownership, investment, development or operating experience may be considered.

 
• Credit and Financial Profile: Credit history, liquidity, reserves and other financial factors may be evaluated.

 
• Property and Market: Property type, condition, location and market characteristics.

 
• Business Plan and Exit Strategy: The intended use of the property and strategy for repayment, sale or refinance.

Commercial Bridge Loans

Commercial bridge financing can provide short-term capital for real estate transactions where traditional long-term financing may not fit the timing or circumstances of the deal.

Bridge loans may be used for time-sensitive acquisitions, property transitions, renovations, repositioning strategies or situations where a borrower plans to refinance or sell the property after completing a specific business plan.

Commercial Real Estate Financing Through Xcel Funding

Xcel Funding LLC provides business-purpose commercial real estate financing for investors, developers, property owners and businesses throughout California.

Tell us about the property, requested financing, timeline and investment or business strategy. We can discuss potential financing options based on the transaction and applicable loan programs.

Xcel Funding LLC | California Finance Lender Lic. #60DBO-202689