City Capital Finance arranges on-balance sheet, conventional commercial loans for acquisition and refinancing of owner occupied and investor properties in California. We have relationship with National and regional banks and other
lending institutions and we are positioned to make a market for our borrowers by setting up a bidding process among lenders - securing the best terms and rates for our client's financing needs.
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Loans from $500,000 and up
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Owner occupied & Investor properties
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Traditional commercial properties
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3 to 10 year terms
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15 to 30 year amortization
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Up to 75% loan to value
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Cash out refinance
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Full document - Income documents required
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Recourse loan- personal guarantee
Special use properties - such as car wash, gas station or Hotels are not qualified for conventional loan programs. City Capital Finance arranges special use commercial loans and unconventional commercial loans for acquisition and refinancing of owner
occupied and investor properties - allowing borrowers to finance 90% of the commercial property.
At City Capital Finance, we engineer a customized on balance sheet and off balance sheet structured finance solution including floating rate-based senior and junior mortgage loans, conduit loans, mezzanine loans and bridge loans.
Mezzanine: Mezzanine financing allows borrower to have higher leverage levels than conventional financing. These loans can be provided for existing properties or properties under construction.
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Conduit: Conduit loans are the lowest permanent fixed rate commercial real estate loans for the acquisition or refinance of stabilized, income producing commercial real estate properties located in most market sectors.
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Bridge: Short-term variable rate financing to be utilized as a bridge to a fixed permanent loan.
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Hard Money: financing solution suitable for opportunistic, undervalued, or other special situations where the borrower is concerned about time, credit, unusual property or negotiating leverage.
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