Direct Lender for Commercial Real Estate Nationwide
Security National lends nationwide with the exception of AK, ND, SD. Majority of our loans are in the western US. We offer short term bridge loans from 1-3 years with rates starting in the 6% range. Since we are direct lenders we can fund within 14 days after full packet is received.
We currently lend on Office, Industrial, Retail, Multifamily and Flex. Other product types are on a case by case basis. We can give you a good answer on whether we would make a loan with the basic information.
Please Note: We do NOT offer loans for residential properties.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Refinance Short-Term (no Cash Out)
Commercial Value-Add
Multifamily Construction
Commercial Construction
Property Types
- Auto Dealership
- Auto Repair
- Commercial Land
- Healthcare
- Industrial
- Mixed-Use
- Multifamily
- Office
- Retail
- Storage Facility
Loan Types
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
Description
We will typically consider land in infill urban areas or high growth markets
Land Types Considered
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
Will Consider Land That is NOT Entitled
noExisting Land Improvements Required
- Street Access
Max LTV for Land
65%Max LTC for Land Acquisition
65%Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
5Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
75%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
0Maximum After Repair Value
75.00%Development Experience Required
noMinimum Number of Ground-Up Construction Projects Completed by Borrower
0Max LTC for Ground-Up Construction Costs
0%Will Lend on Partially Completed Construction Projects
noDeposit Required
Includes Site Visit fee, DD, Appraisal fee. Refundable based on remaining amount.
Site Visit Fee
actual costs
Credit Report Fee
$100
Extension Fee
As needed
Fees which are mandatory for all new borrower clients
- Deposit
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Trusting who you work with is a key component with everyday business: Security National Commercial Capital is part of Security National Life Insurance Company, a wholly owned subsidiary of Security National Financial Corporation (NASDAQ-SNFCA). With over ninety years of combined commercial lending experience, we bring a high level of expertise to the market. Our goal at Security National Commercial Capital is to offer unequaled service, accessibility, and professionalism to our clients. Loans offered are placed with life insurance companies, Wall Street conduits, credit lenders or in our own portfolio. In addition to long term commercial financing, we have short term commercial and bridge financing available.
Security National Financial Corporation and its wholly-owned subsidiaries operates in three main business segments; life insurance, cemetery and mortuary, and mortgage loans. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance marketed primarily in the intermountain west, California, Florida, Oklahoma, and Texas. The cemetery and mortuary segment of the Company consists of five cemeteries in Utah, one cemetery in California, eight mortuaries in Utah and six mortuaries in Arizona. The mortgage loan segment is an approved governmental and conventional lender that originates and underwrites residential and commercial loans.
Office Locations
Security National Commercial Capital433 West Ascension Way, Murray, Utah 84123
Funded Deals
Security National
Salt Lake City, UT
$1,550,000
Purchase
Security National
Queen Creek, AZ
$4,700,000
Commercial Ground-Up Construction
Get In Touch
Stay Informed About Private Lending

Our Minimum Loan Amount Is
$500,000
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Contact Security National Commercial Capital by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.