Commercial Lenders in California
Browse 232 lenders serving California across DSCR, SBA, bridge, construction, hard money, and more.
California Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll California Lenders
232 commercial lenders serving California.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
California Statewide Certified Development Corporation
SBADavis, CA
One of California's largest Certified Development Companies (CDCs), specializing in SBA 504 loans for commercial real estate and heavy equipment. Provides long-term, below-market fixed-rate financing for owner-occupied properties.
Commonwealth Business Bank
SBALOS ANGELES, CA
Community bank serving the Korean-American and diverse business communities in Southern California. A top SBA 7(a) lender specializing in commercial real estate, trade finance, and business acquisition loans.
Hanmi Bank
SBALOS ANGELES, CA
Community bank primarily serving Korean-American and multi-ethnic communities across the U.S. A top SBA 7(a) lender offering commercial real estate loans, SBA lending, trade finance, and full-service business banking.
Lendistry SBLC, LLC
SBALos Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
City National Bank
SBALOS ANGELES, CA
Los Angeles-based bank serving entrepreneurs, professionals, and the entertainment industry. An SBA preferred lender offering SBA 7(a) loans, conventional commercial lending, commercial real estate, and private banking services.
Mission Valley Bank
SBASUN VALLEY, CA
Sun Valley, California community bank specializing in SBA 7(a) loans, commercial real estate, and business lending. Known for serving small and mid-sized businesses throughout the greater Los Angeles area.
Open Bank
SBALOS ANGELES, CA
Los Angeles-based community bank serving diverse business communities with SBA 7(a) loans, commercial real estate financing, and trade finance. Strong presence in Korean-American and Asian-American business communities.
East West Bank
SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
CalPrivate Bank
SBALA JOLLA, CA
La Jolla, California-based private bank offering SBA 7(a) loans, commercial real estate financing, and tailored business banking. Focuses on entrepreneurs and professionals in Southern California.
Centerstone SBA Lending, Inc.
SBALOS ANGELES, CA
Los Angeles-based non-bank SBA 7(a) lender providing personalized financing solutions for small businesses. Specializes in SBA lending with industry-specific expertise and dedicated service.
Southland Economic Development Corporation
SBASanta Ana, CA
Santa Ana, California-based Certified Development Company authorized to offer SBA 504 loans. Actively serves small businesses throughout the Southern California region with long-term, fixed-rate financing for real estate and equipment.
Banc of California
SBALos Angeles, CA
Los Angeles-based bank offering SBA 7(a) loans, commercial real estate, business lines of credit, and treasury management. Serves small and mid-sized businesses throughout California.
Commercial Bank of California
SBAIRVINE, CA
Irvine, California-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Focused on serving small and mid-sized businesses in Southern California.
PCB Bank
SBALOS ANGELES, CA
Los Angeles-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves diverse business communities with a focus on Korean-American entrepreneurs in Southern California.
FFB Bank
SBAFRESNO, CA
Fresno, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves California's Central Valley and beyond.
Advantage Certified Development Corporation
SBALong Beach, CA
Long Beach, California-based Certified Development Company providing SBA 504 loans to small businesses. Offers long-term, fixed-rate financing for commercial real estate and equipment in Southern California.
Plumas Bank
SBAQUINCY, CA
Quincy, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves businesses in rural Northern California and Nevada.
Anchor Loans
Thousand 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.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
iBorrow
CA
Commercial real estate bridge lender. Loan amounts up to $100M+. Fast closing for large CRE transactions.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Mesa West Capital
Los Angeles, CA
CRE credit platform providing bridge and transitional loans from $20M to $200M+. Focuses on institutional-quality assets across the US.
Complete California Lender Directory
All 232 commercial lenders serving California, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- Altos Bank — Los Altos, CA
- America First FCU — RIVERDALE, UT
- American Business Bank — Anaheim, CA
- American Continental Bank — City of Industry, CA
- American Momentum Bank — COLLEGE STATION, TX
- American Riviera Bank — SANTA BARBARA, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Arcata Economic Development Corporation — Eureka, CA
- Atlantic Union Bank — RICHMOND, VA
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of America, National Association — Charlotte, NC
- Bankwell Bank — New Canaan, CT
- Banner Bank — WALLA WALLA, WA
- Barclays — New York, NY
- BayFirst National Bank — Saint Petersburg, FL
- Beach Cities Commercial Bank — Irvine, CA
- Beacon Business Bank National Association — SAN FRANCISCO, CA
- Bell Bank — Fargo, ND
- Berkadia — Ambler, PA
- BMO Bank National Association — Chicago, IL
- Broadmark Realty Capital — Seattle, WA
- Busey Bank — CHAMPAIGN, IL
- Business Finance Capital — Los Angeles, CA
- Byline Bank — CHICAGO, IL
- Cadence Bank — TUPELO, MS
- Capital Access Group, Inc. — San Francisco, CA
- Capital Bank, National Association — ROCKVILLE, MD
- Capital Community Bank — PROVO, UT
- Capital One, National Association — MCLEAN, VA
- Cathay Bank — LOS ANGELES, CA
- CBRE Capital Markets — Dallas, TX
- CDC Small Business Finance Corp. — San Diego, CA
- Celtic Bank Corporation — SALT LAKE CITY, UT
- Cen Cal Business Finance Group — Fresno, CA
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- CIBC Bank USA — CHICAGO, IL
- Citibank, N.A. — Sioux Falls, SD
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- Citizens Business Bank National Association — ONTARIO, CA
- Climate First Bank — St. Petersburg, FL
- Colony Bank — FITZGERALD, GA
- Columbia Bank — Fair Lawn, NJ
- Comerica Bank — DALLAS, TX
- Community Bank & Trust-West Georgia — LAGRANGE, GA
- Community West Bank — FRESNO, CA
- Constitution Lending
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- Cross River Bank — Fort Lee, NJ
- CrossCountry Mortgage — Cleveland, OH
- CTBC Bank Corp. (USA). — LOS ANGELES, CA
- Cushman & Wakefield — Chicago, IL
- Customers Bank — Malvern, PA
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- Easy Street Capital — Austin, TX
- Endeavor Bank — SAN DIEGO, CA
- Enterprise Bank & Trust — CLAYTON, MO
- EverBank National Association — JACKSONVILLE, FL
- EverTrust Bank — City of Industry, CA
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Exchange Bank — SANTA ROSA, CA
- Fifth Third Bank — CINCINNATI, OH
- Finance of America — Plano, TX
- FinWise Bank — SANDY, UT
- First Bank of Central Ohio — WORTHINGTON, OH
- First Bank of the Lake — Osage Beach, MO
- First Business Bank — MADISON, WI
- First Financial Bank — Cincinnati, OH
- First Internet Bank of Indiana — FISHERS, IN
- First National Bank of America — East Lansing, MI
- First Savings Bank — Beresford, SD
- First U.S. Community CU — SACRAMENTO, CA
- First Western Trust — Denver, CO
- First-Citizens Bank & Trust Company — RALEIGH, NC
- Flagstar Bank — Hicksville, NY
- Flushing Bank — Uniondale, NY
- Fremont Bank — FREMONT, CA
- FWBank — Chicago, IL
- GBank — LAS VEGAS, NV
- GBC International Bank — LOS ANGELES, CA
- Golden Valley Bank — CHICO, CA
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Groundfloor — Atlanta, GA
- Heritage Bank Inc — Burlington, KY
- Heritage Bank of Commerce — SAN JOSE, CA
- HomeXpress Mortgage
- Icon Business Bank — Riverside, CA
- Integro Bank — Phoenix, AZ
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Kind Lending — Santa Ana, CA
- Leader Bank, National Association — ARLINGTON, MA
- Legacy Bank — MURRIETA, CA
- Lending One — Boca Raton, FL
- LendingClub Bank, National Association — LEHI, UT
- Lexicon Bank — Las Vegas, NV
- Lima One Capital — Greenville, SC
- Live Oak Banking Company — WILMINGTON, NC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Main Street Launch — Oakland, CA
- Mega Bank — SAN GABRIEL, CA
- Merchants Bank of Indiana — CARMEL, IN
- Merchants Capital — Indianapolis, IN
- Milestone Bank — Salt Lake City, UT
- Mission Bank — BAKERSFIELD, CA
- Monterey County Bank — Monterey, CA
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- Neighborhood National Bank — EL CAJON, CA
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- Newtek Bank, National Association — Miami, FL
- North American Savings Bank — Kansas City, MO
- North State Bank — RALEIGH, NC
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Oaktree Funding
- Pacific Alliance Bank — San Gabriel, CA
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- Pinnacle Bank — MORGAN HILL, CA
- Planet Home Lending — Meriden, CT
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Port 51 Lending LLC — New York, NY
- Preferred Bank — Los Angeles, CA
- Primis Bank — TAPPAHANNOCK, VA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Readycap Lending, LLC — BERKELEY HEIGHTS, NJ
- Redwood CU — SANTA ROSA, CA
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Royal Business Bank — Los Angeles, CA
- Sabal Capital Partners — Pasadena, CA
- Shinhan Bank America — New York, NY
- Shoreham Bank — Warwick, RI
- So Cal CDC — Mission Hills, CA
- Southwestern National Bank — HOUSTON, TX
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- Stone Bank — MOUNTAIN VIEW, AR
- Summit State Bank — SANTA ROSA, CA
- Sunwest Bank — Sandy, UT
- Superior California Economic Development, Inc. — Redding, CA
- TD Bank — Cherry Hill, NJ
- TD Bank, National Association — WILMINGTON, DE
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- The Huntington National Bank — COLUMBUS, OH
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- U.S. Bank, National Association — Cincinnati, OH
- UMB Bank, National Association — KANSAS CITY, MO
- United Business Bank — WALNUT CREEK, CA
- United Midwest Savings Bank National Association — DE GRAFF, OH
- United Pacific Bank — CITY OF INDUSTRY, CA
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- WaFd Bank — SEATTLE, WA
- Walker & Dunlop — Bethesda, MD
- Wallis Bank — WALLIS, TX
- Wells Fargo — San Francisco, CA
- Wells Fargo Bank National Association — Sioux Falls, SD
- West Coast Community Bank — SANTA CRUZ, CA
- Western Alliance Bank — PHOENIX, AZ
- Woori America Bank — New York, NY
- Zions Bank, A Division of — SALT LAKE CITY, UT
Commercial Lending in California
California has the largest state economy in the U.S. and would rank as the fifth-largest economy globally. The state's diverse markets range from Silicon Valley tech campuses to Inland Empire logistics hubs and Los Angeles entertainment properties.
Proposition 13 limits property tax reassessment to the purchase price plus a maximum 2% annual increase, creating significant tax advantages for long-term commercial property holders but higher effective rates for new buyers. California's stringent environmental regulations, including CEQA review requirements, can add 12 to 24 months to commercial development timelines. Recent changes to local zoning laws and the state's push to address housing shortages have created new mixed-use development opportunities, particularly near transit corridors in major metros.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).
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