From office buildings and apartment complexes to retail centers and SBA loans, FundUSACorp structures commercial financing that fits your deal, your timeline, and your investment strategy.
A commercial real estate loan finances income-producing or owner-occupied commercial properties office buildings, retail centers, apartment complexes (5+ units), industrial warehouses, and mixed-use developments.
We review your property type, purchase price or loan amount, financials, and investment goals then match you with the most competitive commercial lender and loan structure. You get one broker managing the entire process.
SBA 504, SBA 7(a), conventional commercial mortgages, bridge loans, DSCR-based investment loans, and multi-family agency financing. We find the right structure for every property type and deal size.
Share your property details and investment goals. We'll provide a no-obligation loan analysis with rate estimates and program recommendations within 24 hours.
At FundUSACorp, we bring something to the commercial lending table that most mortgage companies can’t: a dual license as both a Mortgage Broker (NMLS 1215609) and a Real Estate Broker (CA DRE 01961874). That means we understand commercial transactions from both the financing and the deal structure perspective not just the loan.
We partner with a wide network of commercial lenders from regional banks and credit unions to private lenders and SBA-approved institutions to find the most competitive terms for your specific property type and investment strategy. Whether you’re acquiring your first commercial property or expanding a multi-asset portfolio, we structure deals that work in the real world.
We serve investors and business owners across California and Hawaii with commercial financing
from $500,000 to $25 million and beyond.
2018
SBA 504 LOANS
For owner-occupied commercial real estate. Fixed rates, 10–25 year terms, and down payments as low as 10%. Ideal for businesses purchasing their own facility offices, warehouses, manufacturing, or retail locations.
SBA 7(a) LOANS
More flexible than 504 these can be used for commercial real estate, working capital, equipment, and business acquisition. Loan amounts up to $5 million with competitive rates.
CONVENTIONAL COMMERCIAL MORTGAGES
For investment properties retail, office, industrial, and mixed-use. Terms typically 5–25 years with amortization up to 30 years. Competitive rates for stabilized properties with established income history.
BRIDGE LOANS
Short-term financing (6–24 months) for properties in transition acquisitions, renovations, lease-up periods, or deals that need to close fast. We have bridge lenders who can close in as few as 10 business days.
MULTI-FAMILY (5+ UNITS)
Agency and non-agency financing for apartment buildings. We offer Fannie Mae, Freddie Mac, FHA 223(f), and portfolio lender options depending on property size and borrower profile.
DSCR COMMERCIAL LOANS
Qualify based on the property’s net operating income (NOI) not personal income or tax
Commercial real estate transactions are complex. Lenders underwrite differently, timelines vary, and the wrong financing structure can kill a deal or destroy your returns. At FundUSACorp, our goal is straightforward: match you with the right lender and the right program so your deal closes on schedule and performs the way you modeled it.
We bring transparency to the process. Before you commit to any program, we’ll show yo the numbers: rate, term, LTV, DSCR requirements, prepayment structure, and total cost of capital. No surprises at the closing table.
Purchasing an income-producing property or owner-occupied commercial building? We structure acquisition financing that maximizes your LTV while keeping your debt service manageable from day one.
Has your commercial property appreciated? We can help you refinance to a lower rate, extend your term, or pull out equity to fund your next acquisition without disrupting your existing tenants or operations.
Building from the ground up or undertaking a major renovation? We offer commercial construction loans that convert to permanent financing upon stabilization reducing your closing costs and simplifying the process.
We work with commercial loans starting at $500,000. For smaller deals, we can explore SBA programs which offer financing starting around $150,000 for eligible businesses and properties.
Down payment requirements vary by loan type. SBA 504 loans require as little as 10% for owner-occupied properties. Conventional commercial loans typically require 20–30%. Bridge and DSCR loans vary by lender and property performance.
Down payment requirements vary by loan type. SBA 504 loans require as little as 10% for owner-occupied properties. Conventional commercial loans typically require 20–30%. Bridge and DSCR loans vary by lender and property performance.
Conventional and SBA commercial loans typically take 30–60 days from application to close. Bridge loans can close in as little as 10–15 business days. Timeline depends on the property type, loan program, and completeness of your financial package.
Absolutely. We regularly work with investors based outside California and Hawaii who are purchasing income-producing properties in these markets. We handle the full loan process remotely and can coordinate with local title and escrow companies on your behalf.
We finance office buildings, retail shopping centers, industrial and warehouse properties, mixed-use developments, apartment buildings (5+ units), self-storage facilities, and select hospitality properties. Contact us with your specific property type for a program review.
