Top California Lender

Where Big Deals Meet Bigger Capital!

5.0

Total Reviews: 1

Lending ServicesLoan AgencyReal Estate Loans

Hours

Mon 9:00 AM to 5:00 PM
Tue 9:00 AM to 5:00 PM
Wed 9:00 AM to 5:00 PM
Thu 9:00 AM to 5:00 PM
Fri 9:00 AM to 5:00 PM
Sat Closed
Sun Closed

About Top California Lender

At Top California Lender, we specialize in providing finance for most prestigious commercial real estate opportunities. Catering to high net worth investors, developers, and property owners, we deliver fast, flexible, and tailored financing solutions for multi-million-dollar commercial deals. Whether you’re acquiring a Class A office tower, developing a luxury hotel, or repositioning an industrial complex, our expertise and capital resources transform your commercial vision into reality.

Services

Rehab/Renovation Loans

Revitalize commercial assets with funding for value-add upgrades and repositioning. -Asset Types: Office buildings, retail centers, multi-family properties, industrial facilities. -Terms: Up to 75% LTV (or 85% LTC), rates from 9.5%-10.5%, terms up to 18 months. Fast draws for tenant improvements, facade upgrades, or interior retrofits.

Construction Loans

Finance ground-up commercial projects with loans up to $75 million. -Asset Types: Mixed-use developments, high-rise offices, industrial warehouses, hospitality (hotels/resorts). -Terms: Up to 85% LTC, rates from 9.5%-10.5%, terms up to 36 months. Milestone-based funding with reserves for cost overruns.

Condo Conversion & Development

Transform commercial properties into luxury condos or develop new multi-family towers -Asset Types: Office-to-condo conversions, retail-to-residential, new multi-family developments. -Terms: Up to 85% LTV, rates from 9.5%-10.5%, terms up to 48 months. Covers soft costs (e.g., zoning, permits, marketing).

Land Development & Subdivision

Convert raw land into commercial-ready sites for future profit. - Asset Types: Retail pads, office parks, industrial lots, mixed-use parcels. -Terms: Up to 80% LTV, rates from 9.5%-10.5%, terms up to 36 months. Higher equity required due to speculative nature.

Change of Use

Reposition commercial assets to adapt to market demands. - Asset Types: Warehouse to office, retail to multi-family, office to hospitality. - Terms: Up to 85% LTV, rates from 9.5%-10.5%, terms up to 24 months. Expedited approvals for adaptive reuse projects.

Bridge Loans

Secure short-term funding for acquisitions, lease-ups, or stabilization up to $75 million. - Asset Types: Office towers, retail plazas, multi-family complexes, hospitality properties. - Terms: Up to 85% LTV, rates from 9%-11.5%, terms from 6-24 months. Interest-only payments with exit strategy flexibility.

Commercial Acquisition Loans

Acquire trophy commercial assets starting at $3 million. - Asset Types: Class A/B offices, retail centers, industrial portfolios, multi-family buildings, luxury hotels. - Terms: Up to 85% LTV, rates from 9.5%-10.5%, terms up to 5 years. Equity-focused for rapid closings; no prepayment penalties.

Equity Cash-Out

Unlock capital from stabilized commercial portfolios for reinvestment or liquidity. - Asset Types: Office portfolios, retail strip malls, industrial parks, multi-family assets. - Terms: Up to 85% LTV, rates from 9.5%-10.5%, terms up to 5 years. Cash flow-based approvals with flexible repayment options.

Areas Served

Nation-wide

FAQ

Start by submitting your project details via our online application or call us at (424) 209-7164. We’ll assess your property within 24 hours and deliver a custom offer fast. With over $1.3B funded, our process is proven to get you funded in 8 days.

Yes! We have no prepayment penalties, unlike some private lenders or banks. Whether you refinance or sell, you can pay off your loan early without extra costs—a perk that’s helped us maintain a 95% broker retention rate in 2025.

Banks often take weeks or months to fund, require extensive documentation, and may impose recourse terms. We fund in 8 days, offer non-recourse loans, and skip the red tape, making us a faster, more flexible choice for commercial real estate financing in 2025.

No, we focus on the property’s equity and cash flow potential, not just your credit score. Unlike banks with rigid credit requirements, our equity-driven approach has fueled 420+ successful deals since 2018, even for borrowers with less-than-perfect credit.

Our fixed interest rates range from 9% to 10.5%, depending on the loan type (e.g., 9% for equity cash-out, 10.5% for construction). These competitive rates, paired with no prepayment penalties, reflect 2025 private lending standards and our $1.3B funding track record.

A non-recourse loan means your personal assets aren’t at risk—only the property secures the loan. All our loans are non-recourse, unlike some private lenders or banks that require personal guarantees, making us a safer choice for high net worth investors.

Our loans range from $2M to $75M, with terms from 6 months to 60 months, depending on the program (e.g., bridge loans at 6-24 months, acquisition loans at 12-48 months). All feature fixed rates (9%-10.5%) and no prepayment penalties, giving you flexibility in 2025’s market.

We close loans in an industry-leading 8 days, thanks to our streamlined, equity-driven process and AI-powered underwriting. Since 2018, this speed has helped us fund over 420 deals nationwide, getting capital to you when you need it most.

We finance a wide range of commercial properties, including retail centers, office buildings, industrial facilities, multi-family units, and raw land for development. Check our Loan Programs page for specifics on rehab, construction, bridge, and more—all tailored to your project’s needs.

A private lender provides financing outside traditional banks, often with more flexibility and speed. Top California Lender stands out by funding commercial real estate loans from $3M to $100M+ in just 8 days—faster than most banks or private lenders. Since 2018, we’ve deployed over $1.3 billion across 420+ deals, offering non-recourse loans with fixed rates and no prepayment penalties.

Payments Accepted

Personal Checks

Find Us

(424) 209-7164
401 Wilshire Blvd
Santa Monica, CA 90401
 Website
Today: 9:00 AM to 5:00 PM