Commercial Real Estate Lender for Investors & Businesses
Mission Valley Capital arranges commercial refinance loans across California, including cash-out refinances, for investors, developers and business owners. We bring 15+ years of combined industry experience and 1,000+ loans funded company-wide. A refinance replaces your current loan, so new costs and terms apply, and every loan is subject to lender approval. Call (844) 347-1070 for a transaction-specific quote.
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Industry Experience
Succesfully Funded
Financing Solutions
Results Driven
As an experienced commercial real estate lender, Mission Valley Capital offers flexible financing solutions for investors, developers, and business owners across a wide range of property types.
We specialize in commercial real estate financing for acquisitions, refinancing, construction projects, bridge lending, and long-term investment loans. As a trusted commercial mortgage lender, we focus on practical solutions, fast communication, and reliable execution.
Commercial Real Estate Financing We Offer
Every commercial property transaction is different. Some borrowers need speed, while others need leverage, flexible underwriting, or creative structuring. Our CRE loan programs are designed to support a broad range of commercial investment goals.
Types of Commercial Property Purchases We Finance
We provide property financing solutions for a wide range of commercial property purchases and investment strategies. For example, if you are:
Purchasing investment properties for rental income or long-term growth
Buying commercial buildings for your own business use
Financing apartment and multifamily property purchases
Purchasing mixed-use properties with retail, office, or residential space
Expanding an existing commercial real estate portfolio
Our financing for commercial property offers our borrowers competitive structures, flexible terms, and dependable closing timelines.
Acquisition Financing
Acquisition of commercial property financing helps investors and business owners purchase commercial real estate without tying up all their available capital.
Purchasing commercial property often requires quick access to capital and a lender that understands the asset itself, not just the borrower's profile. We provide acquisition financing for investors purchasing stabilized, transitional, or value-add commercial properties.
Refinance & Cash-Out Loans
A refinance can lower your payment, change your term or release equity as cash. It also brings closing costs, a new appraisal and possibly a fee on the old loan, and taking cash out raises your debt.
We help property owners refinance their CRE loan programs and commercial debt with solutions tailored to their long-term objectives. Unlike many traditional lenders, we look beyond automated lending models and focus on the overall strength of the opportunity.
Bridge Loans
Bridge loans are short-term commercial real estate loans that are used to provide quick funding until long-term financing is approved or a property sale is completed. These short-term loans are commonly used for acquisitions, renovations, lease-up strategies, or situations where conventional financing is not immediately available.
As a commercial real estate lender, we understand that opportunities can disappear quickly without access to flexible capital.
Construction Financing
Our [construction loans] are designed for developers seeking commercial property financing with practical underwriting and efficient execution.
We finance multifamily developments, mixed-use projects, industrial construction, hospitality developments, commercial renovations and conversions.
Our team works closely with borrowers throughout the funding process to help projects stay on schedule.
Permanent Loans
For stabilized commercial assets, permanent financing provides long-term capital with predictable repayment structures. Permanent loan solutions can help with competitive fixed or variable rates, longer amortization periods, flexible loan sizing, cash-out options, portfolio financing opportunities We structure commercial real estate financing around the property's performance and the borrower's investment goals.
We arrange purchase, refinance and construction loans for commercial property, and we size each one to your plan and your timeline.
How does a commercial refinance loan work in California?
A commercial refinance loan pays off the loan on your property and replaces it with a new one. Owners refinance to change the rate or term or to replace a short-term bridge loan. Some take cash out of their equity (the value you own above the loan).
We review the property, its income and your goals, then take the file to the lenders that fit. That can mean local and national banks, correspondent lenders, SBA lenders, alternative lenders or private-money sources. We work on office, multifamily, industrial and warehouse, retail, hospitality, mixed-use and owner-occupied buildings across California.
A new loan brings new terms. Your rate, payment, term and prepayment rules can all change, so we set the options side by side before you decide.
Who is a commercial refinance a good fit for?
A refinance often suits owners whose loan matures soon or whose bridge loan needs a long-term replacement. It also suits a stabilized property (one with steady occupancy and rent). Investors also use a cash-out refinance to fund a down payment, a renovation or another purchase.
It is not always the right move. Taking cash out raises your loan balance and your payment, and less equity leaves less cushion if rents or values fall. A prepayment penalty (a fee for paying a loan off early) on your current loan can outweigh the savings. Read our guides to prepayment penalties on commercial loans and to a cash-out refinance on investment property.
What do lenders look at before they refinance a commercial property?
Lenders look at the property income first, then the borrower. They check net operating income (rent left after operating costs) and DSCR (debt service coverage ratio, the income divided by the loan payments). They also check LTV (loan-to-value, the loan as a share of the appraised value).
Beyond the numbers, they review occupancy, tenant quality, property type and condition, credit, liquidity (cash you can reach) and the local market. DSCR is one factor, never the only one, and requirements vary by lender, loan program, property type and transaction.
Have your operating statements, rent roll, current loan details, personal financial statement and property documents ready. Our commercial loan document checklist lists them in full.
What does a commercial refinance cost, and how long does it take?
Commercial loan pricing and terms are structured around the borrower, property, financing request and lender requirements. Contact Mission Valley Capital for a transaction-specific quote. The loans we arrange run from $250k to $50M. Our guide to commercial real estate loan rates in California explains how lenders build a rate.
Plan for closing costs as well, including the appraisal, third-party reports and any prepayment penalty on your current loan. Some transactions can close in as little as 5 to 10 days, depending on the lender, the documents and underwriting. That is a possible timeline, not a promise, and many refinances take longer.
My bank turned down my refinance. What are my options?
A bank decline is not the end of the deal. Banks are one channel, and we also work with national banks, correspondent lenders, alternative lenders and private-money sources. Borrowers often come to us after a decline over property condition, timing, limited experience or an unusual deal.
Other channels have trade-offs. Bridge and private-money loans are usually short-term and interest-only, so you need a clear plan to refinance or sell before they end. We explain those trade-offs before you apply. See what to do when a bank declines your commercial loan.
Plain-English summary
A refinance swaps your current loan for a new one. It can lower your payment or free up cash, but it adds costs and can raise your debt. We compare lenders across California for you, and nothing is final until a lender approves it.
All financing is subject to lender approval, underwriting, eligibility requirements, applicable terms and conditions. Rates, leverage, loan amounts and closing timelines vary by transaction. Call (844) 347-1070 or email info@missionvalleycapital.com, Monday to Friday, 8:00 AM to 5:00 PM PST.
Why Businesses Choose Our Commercial Mortgage Lending
Commercial borrowers need more than capital. They need a lending partner who is capable of understanding the deal, solving problems quickly, and helping transactions close smoothly.
Here is why investors and business owners choose our commercial mortgage lending services:
Fast approvals
We move quickly to review opportunities and issue initial feedback.
Flexible underwriting
We evaluate the deal's overall strength rather than relying solely on rigid bank formulas.
Large and small loan sizes
From smaller investment properties to substantial commercial projects, we structure financing around borrower needs.
Nationwide lending
We work with borrowers and commercial properties across multiple markets nationwide.
High LTV options
Certain projects may qualify for higher leverage depending on the asset and business plan.
Experienced CRE team
Our team understands commercial real estate finances, transactions, investment strategies, and market-driven lending challenges.
Many borrowers approach us after being declined by banks due to property condition, timing issues, limited experience, or non-standard transactions. Hence, we focus on finding workable lending solutions instead of simply identifying reasons to decline a deal.
Learn more about our team on the [About Us] page or [Contact Us] to discuss your financing needs
Our Commercial Loan Process
We keep the lending process straightforward and transparent so borrowers understand what to expect from the beginning.
Submit deal documents
Borrowers need to provide basic details about the property, such as financing request, timeline, and investment plan. Clear and accurate information helps speed up the review and approval process.
Initial Review & Terms
Our team will review the deals and discuss potential loan structures, leverage, rates, and estimated timelines.
Loan Review & Property Appraisal
Once terms are accepted, we begin reviewing the deal, third-party reports, and appraisal review while coordinating with all parties involved.
Funding approval & Closing
Documents are prepared after final approval, and let the transaction proceeds to closing. We aim for an efficient funding process with minimal delays.
Our commercial loan process is designed to be simple, transparent, and efficient from start to finish. We work closely with borrowers to help transactions move smoothly and close with confidence.
FAQs About Commercial Real Estate Loans
How do I qualify for commercial real estate financing?
Qualification depends on several factors, such as the property type, borrower experience, cash flow, credit profile, liquidity, and the overall strength of the transaction. Some lenders focus heavily on borrower history, while others place greater emphasis on the property and business plan.
How much credit score is needed for a commercial property loan?
There is no universal minimum score for commercial property financing. Although many lenders prefer scores above 680, some bridge or asset-based lenders may consider lower scores depending on the deal structure and property strength.
How fast can a commercial loan close?
Some transactions can close in as little as 5 to 10 days, depending on the lender, documentation and underwriting. That is a possible timeline, not a promise. Bridge loans tend to move fastest, while SBA, construction and permanent loans usually take longer because of appraisals and third-party reports. Whether a loan will be approved or not usually depends on the transaction’s complexity, property type, and required due diligence.
What is the typical down payment?
Commercial loan down payments often range from 20% to 35%, depending on the property type, borrower experience, and loan program. Higher leverage options may be available for strong opportunities.
Do you fund nationwide?
Yes. We work with borrowers across multiple markets and provide commercial real estate financing solutions for a wide range of commercial property types nationwide.
