Bridge Loans in San Francisco, CA
Find lenders offering bridge loans in the San Francisco, including Oakland, Berkeley, San Mateo, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which Bridge lenders serve San Francisco?
42 lenders offering bridge loans in the San Francisco, 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.
What does the San Francisco commercial real estate market look like?
San Francisco's CRE market has undergone significant recalibration as remote work reduced traditional office demand, particularly in the Financial District and SoMa neighborhoods that housed major tech tenants. The city's office vacancy rate climbed to historic highs in 2024-2025, creating opportunities for value-add investors and adaptive reuse conversions to residential and life sciences uses. The Mission Bay submarket, anchored by the UCSF Medical Center campus and the Chase Center, has shown more resilience with biotech and healthcare tenancy. South of Market and the Dogpatch neighborhood continue to attract AI and machine learning startups, and the city remains one of the highest-rent markets in the country despite the correction.
Key Economic Drivers
- ●AI and machine learning companies (OpenAI, Anthropic, and venture-backed startups)
- ●UCSF Medical Center campus and Mission Bay biotech cluster
- ●Salesforce, major tech headquarters, and financial services firms
- ●Tourism and convention activity centered on Moscone Center
Market Insight
San Francisco adopted a transfer tax incentive for office-to-residential conversions in the downtown core, waiving the city's 5.5% transfer tax for qualifying projects to accelerate repurposing of vacant office towers in the Financial District.
How do bridge loans work in San Francisco, 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 San Francisco metro area, borrowers can access 42 lenders offering Bridge financing, including Oakland, Berkeley, San Mateo, 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
What are the 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 San Francisco FAQ
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