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
Primary or secondary markets nationwide except AK, ND, SD. Tertiary markets are assessed based on borrower's knowledge of specific area.
Loan Amounts
$500,000 to $8,000,000
Interest Rates
6% to 10%
Loan Terms
6 months to 36 months
Origination Fees
1% to 3%
Lien Position
1st
Collateral Types
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Max LTP Land: 65%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Multifamily: 75%
Max CLTV 2nd Lien Multifamily: 85%
Max LTV 1st Lien Commercial: 75%
Max CLTV 2nd Lien Commercial: 85%
Max LTV 1st Lien Land: 60%
Max CLTV 2nd Lien Land: 75%
Commercial Value-Add
Max LTP: 75%
Max LTC: 75%
Max LTARV: 75%
Multifamily Construction
Max LTP Land: 65%
Max LTC: 75%
Max LTCV: 75%
Commercial Construction
Max LTP Land: 65%
Max LTC: 75%
Max LTCV: 75%

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

no

Existing 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

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Gap Lender
  • Family
We don't provide rehab funds on a draw basis. Borrower must pay for all rehab costs out of pocket, and we will reimburse upon completion of the project.

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

5

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

75%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

0

Maximum After Repair Value

75.00%
We require AIA Contract with general contractor.

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

0%

Will Lend on Partially Completed Construction Projects

no

Deposit 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

Details and Requirements

Typical Closing Time (Days)

21

Fastest Closing Time (Days)

6

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
  • Payment Rate
Payment Rate

4.5% to 0%

Pre Payment Penalty

no

Will lend to a foreign national

yes

On exception based on LTV and acceptable collateral. Typically additional legal fees are required.
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Needed on case by case basis
Credit Check Required

yes

Credit Check Description

Lender will review for delinquencies, foreclosures, bankruptcy

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

Security National Commercial Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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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.

Year Established

1964

Office Locations

Security National Commercial Capital
433 West Ascension Way, Murray, Utah 84123



Primary Capital Source
  • Own Funds
  • Life Insurance Companies
Alternative Capital Sources
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

100%

Total Number of Loans Funded to Date

8

Total Loan Volume Funded to Date

$43,000,000

Funded Deals

Get In Touch

Security National Commercial Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$500,000

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