Commercial Loan Broker in San Jose
CRE, owner occupied, bridge, and SBA 504 financing for California deals from $250K to $25M.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
What it is and how it works in San Jose
Commercial loan brokering means matching a commercial real estate or large balance commercial deal to the lender most likely to fund it. We work with regional and national banks, credit unions, CMBS lenders, life company lenders, debt funds, and SBA 504 CDCs. The right placement depends on property type, sponsor, leverage, and timeline, none of which a single lender can solve alone.
A licensed commercial brokerage handling CRE acquisitions, refinances, bridge debt, construction loans, and owner occupied SBA 504 placements.
How Commercial Loan Broker works
- 1
Initial deal review: property, sponsor, equity, use of funds.
- 2
Lender shortlist matched to deal profile.
- 3
Loan request package submitted.
- 4
Term sheets negotiated.
- 5
Closing with the chosen lender.
Benefits
Bank, CMBS, debt fund, life co, best execution every time.
Deep SBA 504 experience for owners buying their own buildings.
We structure bridge debt that's actually refinanceable at maturity.
We negotiate covenants, recourse, prepayment, and rate locks on your behalf.
Qualification requirements
- Commercial property or business asset securing the loan
- Sponsor net worth typically equal to loan amount
- Liquidity typically 10%+ of loan amount
- Strong DSCR (1.25x+) on stabilized properties
Documents typically required
- Property OM and rent roll
- Last 3 years property financials
- Sponsor PFS
- Schedule of real estate owned
How San Jose businesses use Commercial Loan Broker
A West Valley HVAC company purchases its 18,000 sf shop with SBA 504 at 10% down.
A San Jose mixed use sponsor funds a $6M bridge to stabilize the asset before CMBS.
A Sugar House office building owner refinances out of a maturing loan with a regional bank perm loan.
San Jose's commercial real estate cycle, driven by Silicon Slopes growth, downtown revitalization, and industrial demand along the I-15 corridor, creates constant refinancing and acquisition opportunity.
