Commercial Real Estate Loans in California

Mid Valley Financial understands the unique financial needs of businesses, property investors, and developers. With over 35 years of experience as a direct mortgage lender in California, we offer a range of commercial loan options tailored to fit various real estate investment strategies. Whether you are looking to purchase, refinance, or develop a commercial property, we have the expertise and loan products to help you succeed.

Conventional Commercial Loans

Mid Valley Financial has a variety of commercial lending options! Whether you’re looking to start a small business or expand your already big business, we can help you build, develop or finance commercial property throughout California.

Property Types:

Retail
Professional Complex
Industrial Warehouse
Medical Office

General Loan Parameters:

Loan Amount: $500,000 to $10,000,000
LTV: up to 70%
Rates: Low as 7.5% (Will Vary with the Market)
Term: 3, 5, 7, and 10 Years

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SBA Loans

If you’re debating where to get a small business loan, turn to Mid Valley Financial! Our experienced loan officers can help your new or existing business obtain long-term, low-interest financing from the Small Business Administration, using the 7(a) & 504 loan programs. With our competitive rates, flexible terms and knowledgeable team, a conversation with one of our small business specialists can open the doors for your next grand opening.

Property Types:

Hotels/Motels
Gas Stations
Convenience Stores
Franchise
Fast Food
Car Washes

General Loan Parameters:

Loan Amount: $500,000 to $5,000,000
LTV: up to 90%
Owner Occupied Properties Only
Rates: Low as 7.5% (Will Vary with the Market)
Term:7 to 25 Years

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Multi-Family Properties

Mid Valley Financial has a variety of options for multi-family loans. We provide a wide range of loan amounts and can offer a loan-to-value ratio of up to 90%. We take pride in offering low rates and a simplified loan process. Our experts are here to help you get started so you can get the best loan option for your needs!

Property Types:

5+ Units
Apartments

General Loan Parameters:

Loan Amount: $500,000 to $10,000,000
LTV: up to 90%
Rates: Low as 7.5% (Will Vary with the Market)
Term: 3, 5, 7, and 10 Years

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Non-Traditional Financing

Non-traditional loans are perfect for investors and business owners venturing into unique or emerging commercial real estate markets. If your property doesn't fit the conventional mold, we can customize a loan to match your specific needs.