Morro Bay Bridge Lenders for Commercial Real Estate

Are you seeking short-term financing secured by commercial real estate in Morro Bay, CA? On this page you'll find a list of select CRE Bridge Lenders that can finance a property purchase, 1031 exchange, refinance, or equity cash out in 1st lien position. We have a separate page for lenders that can fund a rehab / value-add project. The maximum loan-to-value for most CRE bridge loans is 70%, and a few lenders can go up to 75% for retail and industrial properties. The max leverage is typically much lower for hotels, self-storage, assisted living and other specialty property types.
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Rubicon Mortgage Fund, LLC

Rubicon Mortgage Fund is a California direct mortgage fund specializing in commercial real estate bridge loans and select residential investment loans. They primarily lend throughout California, with a strong focus on Northern California, emphasizing conservative leverage, in-house underwriting, and fast closings.

Loan Amounts: $250,000 - $15,000,000
SDC Capital

SDC Capital is a Burbank-based family office lender using its own capital for residential and commercial bridge loans in major California markets, including first and second liens, cash-out, value-add and late-stage construction financing.

Loan Amounts: $250,000 - $5,000,000
Sherpa Capital Group

Sherpa Capital Group is a privately owned, Chicago-based direct lender founded in 2010. It provides principal-led short-term bridge loans from $500,000 to $10 million for transitional commercial real estate nationwide and selectively makes preferred-equity investments.

Loan Amounts: $500,000 - $10,000,000
ReProp Financial

ReProp Financial is a Northern California direct private lender for residential investment, commercial, agricultural and construction real estate. It serves Western U.S. markets with bridge and longer-term structures, including niche collateral such as rural and cannabis-use properties.

Loan Amounts: $150,000 - $3,500,000
First Bridge Lending CRE

First Bridge Lending CRE, based in Petaluma, California, specializes in quick bridge loans for commercial real estate across Arizona, California, Oregon, and Washington. They offer loans from $500,000 to $10 million with flexible terms and in-house underwriting, focusing on multifamily, industrial, and retail properties.

Loan Amounts: $500,000 - $10,000,000
Fidelity Mortgage Lenders

Fidelity Mortgage Lenders is a California-based private mortgage lender, established in 1971, offering asset-based business-purpose financing secured by all types of investment real estate in the Western States. They lend up to 55% loan-to-value for a purchase, refinance or equity cash out.

Loan Amounts: $100,000 - $15,000,000
Rodeo Lending

Rodeo Lending is a private lender based in Los Angeles, specializing in commercial and multifamily properties. They offer flexible financing options, including short-term bridge loans and long-term DSCR loans, with a focus on practical solutions for borrowers unable to access traditional banking services.

Loan Amounts: $500,000 - $10,000,000
Yieldi

Yieldi is a direct balance sheet lender providing short-term bridge loans for commercial real estate nationwide, including retail, industrial, self-storage, hotels, cannabis-use properties and others. They can fund ground-up construction, value-add projects or standard purchase/refinance bridge loans up to $50MM.

Loan Amounts: $500,000 - $50,000,000
Simplending Financial

Simplending Financial is a Houston-based private money lender serving real estate investors nationwide. Its programs include fix-and-flip, ground-up construction, DSCR rental, and bridge loans, with financing from $75,000 to $10 million depending on the program.

Loan Amounts: $100,000 - $10,000,000
Wilshire Finance Partners

Wilshire Finance Partners is an Irvine, California real estate finance and investment company founded in 2008. It provides small-balance commercial, multifamily and seniors-housing bridge loans nationwide, generally $1M–$10M, with a focus on transitional and value-add assets.

Loan Amounts: $1,000,000 - $10,000,000
CB South Capital

CB South Capital is a bridge lender providing short-term financing secured by commercial real estate from $1M to $25M. They finance multifamily, mixed-use, industrial, retail, hospitality, land, and construction projects in select markets.

Loan Amounts: $1,000,000 - $25,000,000
Stonecrest Financial

Stonecrest Financial is a California direct private lender based in Silicon Valley. Established in 1986, it offers consumer bridge loans, investment purchase financing, reverse 1031 exchange loans, and revolving real estate-secured lines of credit.

Loan Amounts: $500,000 - $10,000,000
Wilshire Quinn Capital, Inc.

Wilshire Quinn Capital is a San Diego-based direct portfolio bridge lender serving commercial and non-owner-occupied residential investors nationwide. Since 2004, it has focused on fast, in-house underwriting for purchases, refinances, cash-out, rehab and 1031-exchange transactions.

Loan Amounts: $200,000 - $20,000,000
Loan Mac, Inc.

Loan Mac is a Los Angeles private lender arranging fast 1st- and 2nd-position real estate loans for business and investment purposes. It finances a broad range of property types, including land and agricultural real estate, and can structure cross-collateralized loans across the U.S.

Loan Amounts: $30,000 - $5,000,000

Select a Metro Area

California is a massive state, and some lenders are selective about where they lend. Filter your search by selecting a metro area:

Northern California: SF Bay Area | Sacramento | Lake Tahoe

Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara

Central California: Central Valley | Bakersfield | Fresno

 

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