Bridge Loans in Sacramento, CA
Find lenders offering bridge loans in the Sacramento, including Roseville, Elk Grove, Folsom, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Bridge Lenders Serving Sacramento
42 lenders offering bridge loans in the Sacramento, 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.
Sacramento Commercial Real Estate Market
Sacramento's CRE market is anchored by California state government, which occupies millions of square feet of office space in and around the Capitol Mall corridor, and by major healthcare systems including UC Davis Medical Center and Sutter Health. The Natomas submarket north of downtown has become a preferred location for corporate office campuses, while the Roseville-Rocklin corridor along I-80 is the primary suburban retail and office growth area. The downtown core has seen notable investment in mixed-use projects, particularly around the Golden 1 Center arena in the Downtown Commons (DOCO) district. The emergence of Sacramento as an affordable alternative to Bay Area markets has attracted tech companies and remote workers, pushing multifamily and office demand upward.
Key Economic Drivers
- ●California state government operations and extensive contractor ecosystem
- ●UC Davis Medical Center and Sutter Health hospital systems
- ●Intel Folsom campus and growing tech sector presence
- ●Golden 1 Center arena and Downtown Commons mixed-use development
Market Insight
Sacramento's median commercial lease rates run approximately 40-50% below San Francisco's, and the region has attracted Bay Area companies seeking lower occupancy costs while maintaining proximity to Northern California's talent base via the Capitol Corridor Amtrak route.
Bridge Loans in Sacramento, 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 Sacramento metro area, borrowers can access 42 lenders offering Bridge financing, including Roseville, Elk Grove, Folsom, 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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