Business Description

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.

Products & Services

Rehab/Renovation Loans and 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 and 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 and 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 and 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 and 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 and 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 and 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 and 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.