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 5% 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 $7,000,000

Interest Rates

6% to 10%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

6 months to 36 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Commercial Property

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

Land Loan


We will only consider land in infill urban areas

Land Types Considered

  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Street Access

Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Gap Lender
  • Family

Rehab Value Add Loan

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


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Maximum After Repair Value


Construction Loan

We require AIA Contract with general contractor.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Payment Structure Details

Interest only

Pre Payment Penalty


Will lend to a foreign national


On exception based on LTV and acceptable collateral. Typically additional legal fees are required.

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


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

Needed on case by case basis

Credit Check Required


Credit Check Description

Lender will review for delinquencies, foreclosures, bankruptcy

Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Deposit Required

$5,000.00 to $15,000.00

Includes Site Visit fee, DD, Appraisal fee. Refundable based on remaining amount.

Site Visit Fee

$0 to $0

actual costs

Underwriting Fee

$500.00 to $2,500.00

Processing Fee

Extension Fee

As needed

Fees which are mandatory for all new borrower clients

  • Deposit

Fees which are charged upfront prior to loan closing

  • Deposit

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


Office Locations

Security National Commercial Capital
4455 South 700 East, Millcreek, Utah 84107

Primary Capital Source

  • Own Funds
  • Life Insurance Companies

Alternative Capital Sources

  • Own Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Own Balance Sheet

Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Commercial Mortgage Banking

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Land


Percentage of Commercial Property Loans Which are Ground-Up Construction


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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Add links to photos here.


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