Build the portfolio.
Acquisition, construction and bridge financing for investors, owner-operators and commercial real estate professionals.
Long Beach commercial real estate breaks into owner-occupied (a business buying its own space), investment property (held for income), and ground-up development. Each has dramatically different financing: SBA programs dominate owner-occupied, conventional CRE lenders and CMBS dominate investment, and construction-specific structures dominate development. Picking the wrong product type usually costs 100-200 basis points and weeks of underwriting.
SBA 504 is the standout product for Long Beach owner-occupied purchases: 10% down, 25-year amortization on the real estate portion, and below-market fixed rates on the SBA debenture. It works for industrial buildings in Wilmington and Carson, mixed-use along PCH, professional office in East Long Beach, and retail in established districts. Maximum project size is roughly $14M, which covers most local owner-occupied deals.
Investment property financing (small multifamily under 5 units, retail strip centers, single-tenant net lease) pulls from bank, agency, life-company, and CMBS lenders. Pricing on otherwise comparable quotes varies by 75-150 basis points across these channels in any given quarter, which is why shopping matters more for CRE than almost any other product. We focus on Long Beach owner-occupied and small-balance investment deals, the segment where shopping has the biggest impact.
Browse the programs we structure most often for real estate operators. Every option starts with a soft credit pull.
Owner-occupied & investment
Long-term fixed-rate financing for retail, office, industrial and multifamily properties: SBA 504 and conventional.
Buy the building & the business
Combined acquisition packages that finance the operating business and the real estate it sits on in one closing.
Single-close construction
Avoid two closings with a single-close construction-to-permanent loan that converts automatically at certificate of occupancy.
Speed when you need it
Short-term bridge capital for value-add acquisitions, reposition plays and 1031 exchanges.
Specialized programs across every sector we serve.
