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Mezzanine Loans in Fresno, CA

Find lenders offering mezzanine loans in the Fresno, including Clovis, Madera, and surrounding areas. Compare rates, terms, and programs from 8 lenders.

Lenders
8
Typical Rate
10% - 18%
Down Payment
Reduces equity to 5-15% total
Term
1-7 years
Closing Time
30-60 days

Fresno Commercial Real Estate Market

Fresno is the commercial hub of California's San Joaquin Valley, the world's most productive agricultural region, and its CRE market reflects the interplay of agribusiness, healthcare, and a growing logistics sector. The Shaw Avenue corridor in north Fresno and the River Park development are the metro's primary retail and office nodes, while agricultural cold storage and food processing facilities concentrate along the Highway 99 and Golden State Boulevard corridors. Downtown Fresno has seen incremental revitalization through Opportunity Zone investment and the Fulton Street pedestrian mall reopening to vehicle traffic. The planned California High-Speed Rail station in downtown could catalyze significant transit-oriented development, though timeline uncertainty remains.

Key Economic Drivers

  • Agribusiness headquarters and food processing operations (Sun-Maid, Producers Dairy)
  • Community Regional Medical Center and Saint Agnes Medical Center health systems
  • California State University, Fresno campus and workforce development programs
  • Amazon and cold chain logistics operations along the Highway 99 corridor

Market Insight

Fresno has positioned itself as a value alternative for Central Valley distribution, with industrial lease rates running roughly one-third of Inland Empire pricing, attracting e-commerce and food logistics tenants seeking access to Northern and Central California markets.

Mezzanine Loans in Fresno, California

Mezzanine financing sits between senior debt and equity in the capital stack. It allows borrowers to increase leverage beyond what a first mortgage provides, reducing the equity needed for a deal. Secured by a pledge of the borrower's ownership interest rather than a lien on the property. In the Fresno metro area, borrowers can access 8 lenders offering Mezzanine financing, including Clovis, Madera, and surrounding areas. Loan amounts typically range from $1M to $100M with rates from 10% - 18%.

Who Should Consider Mezzanine Loans?

  • Reducing equity requirement
  • Large acquisitions
  • Development projects
  • Recapitalizations

Key Requirements

  • Strong sponsor track record
  • Viable business plan
  • Senior lender approval for subordinate debt
  • Adequate debt service coverage for total debt

Advantages

  • Reduce equity needed
  • No lien on property (pledge of ownership)
  • Flexible structures
  • Can be interest-only

Considerations

  • High interest rates
  • Subordinate position = higher risk
  • Requires senior lender approval
  • Complex documentation

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