Orange County Bridge Lenders for Commercial Real Estate
Are you seeking short-term financing secured by commercial real estate in Orange County? On this page you'll find a list of select CRE Bridge Lenders that can finance an Orange Countyproperty 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 some lenders can go up to 75% for retail and industrial properties. The max LTV is typically much lower for office, hotels, and specialty property types.Searching...
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SDC Capital
Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.
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
Completed Bridge Loan Transactions in Orange County
Non-Recourse Bridge Loan for Orange County Industrial Warehouse in Anaheim, California
$890,000
S&L Capital group, a direct private lending firm in Southern California, recently put together an $890,000 refinance bridge loan secured against an Industrial Warehouse property in Anaheim, Orange County, CA. Our client was sitting on a private money loan set to mature at the end of the year. Rather than pay an extension fee for a 12-month extension, he was able to leverage our low pricing for Multifamily and Industrial assets, lowering his interest rate by 1.5%. We only charged a 1% origination fee and $995 for loan documents. We did not require an appraisal or a due diligence deposit, and no personal guarantee was required. We determined the value to be approximately $1,540,000 which put our loan-to-value at 58%. We closed just 5 days after receiving the preliminary title report. The Borrower occupies the property and plans on refinancing us out with a permanent lender after next year’s tax filings. The loan term was set at 24 months with no prepayment penalty or yield maintenance. This bridge loan was funded in December 2021.
Refinance Bridge Loan for Historic Retail Building in Garden Grove, California
$1,100,000
Private Mortgage Fund, LLC funded a $1,100,000 1st lien position bridge loan secured by a commercial property in Orange County, CA. It’s a unique historic building in Downtown Garden Grove with street retail spaces as well as office space. The Borrowers purchased the property out of a distressed sale and have been working on a major renovation of the property. They needed some additional cash to complete the project. We paid off the previous lender and provide the cash out needed. Our loan was around 60% of the as-is value. PMF does not provide rehab loans with budget hold backs, and we do not lend on future value. We did our own in-house valuation, and no appraisal was required. The Borrowers expect to complete the renovations very quickly and then seek permanent financing once the property is stabilized. The loan term is 12 months, and we funded this bridge loan in August 2019.
Private Money Cash-Out Refinance Bridge Loan for Retail Property in Orange County, California
$2,200,000
Redwood Mortgage, a direct private money lender headquartered in the Bay Area, funded a $2,200,000 1st lien position private money cash-out refinance bridge loan secured by a tenanted retail strip in Santa Ana, Orange County, CA. The property has a buildable pad and the Borrower wanted the cash-out funds to build a cold shell on that pad, which is fully entitled and ready for construction. This was a low-doc loan. We only required the rent roll, tenant leases, 2 years of operating income statements, and a new appraisal. The appraised value was around $3,600,000 which puts our loan at a loan-to-value of 61%. The property is held in an irrevocable trust. This private money bridge loan was funded in August 2019.
Refinance Bridge Loan for Orange County Office Building in Mission Viejo, California
$1,320,000
SDC Capital, a direct private lender based in Burbank, provided a $1,320,000 1st lien position bridge loan secured by a 12-unit multi-tenant office building in Mission Viejo, Orange County, CA. The Borrower’s previous mortgage was maturing, so we paid off the bank’s loan balance of $1,100,000. We also provided a cash-out 2nd mortgage of $220,000 for working capital. The estimated value was $2,200,000. We were able to accommodate the Borrower’s request for a conservative loan-to-value with very competitive terms of 7.99% and 1 point, with a loan term of 12 months. We funded quickly and did not require an appraisal. The property is an 8,000-square-foot office condominium building with 12 units. At the time of funding, the building was 100% occupied and cash-flowing. The Borrower has the property on the market and plans to pay off our loans upon the sale. This CRE refinance loan was funded in March 2019.
Bridge Loan for Industrial Property Acquisition in Costa Mesa, California
$2,400,000
Carlyle Capital, a private money lender, funded a $2.4 million 1st lien position commercial bridge loan in Costa Mesa, California. This was an acquisition loan where the Borrower needed to secure purchase on a quality property in which the timeline for bank financing would’ve taken too long for. This is where Carlyle stepped in to meet the needs of a special situation for a short-term loan. The Borrower showcased strong financials and the property was occupied and cash flowing. The interest rate was 7.99%, LTV was 70%, and the loan term was 12 months. Carlyle Capital was able to quickly close the entire deal in a 2-week period. This purchase bridge loan was funded in June 2018.