California Commercial and Retail Property Loans

  • 14a_StoreFrt_E.CampbellAveRecent Loan: Cash out to a CA LLC, portfolio of 3-stand-alone retail buildings in downtown Campbell, CA. 3 yr./Interest only
  • 13_AutoServMall_AlbraeStRecent Loan: Partnership refinance, Fremont, CA auto care facility, 3 yr./Interest only

Residential Income Property

  • 14a_StoreFrt_E.CampbellAveJuly 2019 Loan: Cash out to a Real Estate Investor | $750,000 | 2nd TD | Pasa Tiempo, CA. 3 yr./Interest only | Rental Home on a golf course. 70% LTV. | Purpose of the funds: Investor to acquire more real estate.
  • 60 Acres AgJuly 2019 Loan: Cash out 60 Acres Agricultural | $1,000,000 1st TD | 8% IO | Los Gatos, CA. 3 yr./Interest only | 60 Acres Ag 70% LTV. Purpose of the funds: Investment in Technology Invention.

Saratoga Capital, Inc. has provided California Commercial Property Owners hard money loans for short to medium terms for over 40 years. Business owners, trusts, corporations and private partnerships often secure hard money loans for their commercial property needs. These private money loans can be used to rehabilitate or pay off mature notes on these commercial properties. Sometimes called bridge loans or gap loans.

Saratoga Capital, Inc. is an owner, property manager and lender on various types of Commercial properties. We understand what it takes to be a successful owner of these unique pieces of real property. Because each request for financing usually requires a different analysis for loan purposes, we believe that we have the proper perspective to successfully process a loan request.

While we are primarily focused on an equity, an analysis of the property offered as security is also an important consideration. We will work with you to make sure that your commercial hard money loan meets your needs and offers the best rates at reasonable terms.

Our Commercial Hard Money & Bridge Loan Parameters:

  • Fixed Rate*: 8% / Interest Only
  • Purpose. Refinance, acquisition, property improvements, cash out.
  • 50-70% Maximum Loan(s) to value. Our loan plus senior debt.
  • Loan Amounts: $250,000 – $5,000,000
  • Term: 1-3 years. Interest Only
  • 1st and 2nd Loans. We’ll lend behind large senior loans.
  • Loan Package Requisites. Appraisal, application, preliminary title, inc.-exp. history.
  • We Lend on Equity. Determined by independent fee appraiser combined with our in-house analysis.
  • Pre-Payment Penalty: 12 months
  • Property Types: Industrial, office, retail, apartment complexes (5+ units), shopping centers, mixed-use, automotive. 

* Rates subject to change. Please call for current quote.