Bridge Loans in Oakland, CA
Find lenders offering bridge loans in the Oakland, including Berkeley, Fremont, Hayward, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Bridge Lenders Serving Oakland
42 lenders offering bridge loans in the Oakland, CA area.
Anchor Loans
LocalThousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Civic Financial Services
LocalRedondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
LocalIrvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
iBorrow
LocalCA
Commercial real estate bridge lender. Loan amounts up to $100M+. Fast closing for large CRE transactions.
Kiavi
LocalSan Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Mesa West Capital
LocalLos Angeles, CA
CRE credit platform providing bridge and transitional loans from $20M to $200M+. Focuses on institutional-quality assets across the US.
Sabal Capital Partners
LocalPasadena, CA
Small balance commercial lender. Loans from $1M to $20M for CRE and multifamily properties. Balance sheet and CMBS programs.
Stbridge Capital
LocalLos Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Truss Financial Group
LocalCA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
PNC Bank, National Association
SBAWILMINGTON, DE
One of the largest U.S. banks, offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive treasury management. Full-service business banking across the eastern United States.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Berkadia
Ambler, PA
Joint venture of Berkshire Hathaway and Jefferies. Commercial mortgage banking, investment sales, and servicing.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
CBRE Capital Markets
Dallas, TX
Global CRE services and capital markets. Arranges debt and equity for all commercial property types.
Oakland Commercial Real Estate Market
Oakland's CRE market has undergone substantial transformation, with the city emerging as a more affordable alternative to San Francisco for office, industrial, and multifamily tenants crossing the Bay Bridge. The uptown and downtown core around Broadway and the Lake Merritt area have attracted tech companies, coworking operators, and creative industry tenants, though the departure of the Oakland Athletics has left questions about the Coliseum area's redevelopment future. Jack London Square along the waterfront remains a mixed-use hub for dining, office, and entertainment. The Port of Oakland, the third-busiest container port on the West Coast, drives industrial demand in the West Oakland and Middle Harbor areas, though environmental justice considerations increasingly influence development approvals in those neighborhoods.
Key Economic Drivers
- ●Port of Oakland container terminal and intermodal rail yard
- ●Kaiser Permanente regional headquarters and hospital network
- ●Clorox Company headquarters and food and beverage industry operators
- ●Howard Terminal/Oakland Athletics former Coliseum site redevelopment potential
Market Insight
The Port of Oakland's proximity to both transpacific shipping routes and BNSF/Union Pacific intermodal rail makes its surrounding industrial properties highly strategic, but Oakland's stringent community benefit and environmental review requirements can extend development timelines significantly.
Bridge Loans in Oakland, California
Commercial bridge loans provide short-term financing (typically 6-36 months) to acquire, renovate, or stabilize a property before securing permanent financing or selling. They close fast and offer flexibility that traditional loans can't match. In the Oakland metro area, borrowers can access 42 lenders offering Bridge financing, including Berkeley, Fremont, Hayward, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 8% - 12%.
Who Should Consider Bridge Loans?
- Value-add acquisitions
- Renovations before refinance
- Properties not yet stabilized
- Time-sensitive deals
Key Requirements
- Clear exit strategy (refinance or sale)
- Sufficient equity or down payment
- Property with upside potential
- Borrower experience (preferred)
Advantages
- ✓Extremely fast closing
- ✓Flexible underwriting
- ✓Interest-only payments
- ✓Finance properties conventional lenders won't touch
Considerations
- •Higher interest rates
- •Short term requires exit strategy
- •Origination fees (1-3 points)
- •Prepayment penalties possible
Bridge Loans in Other California Cities
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