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Our Services

Stay current with the latest from the industry.

Rehab/Renovation Loans

Fast funding to transform distressed or outdated commercial properties into profit.

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Asset Types:

Retail centers, office buildings, industrial properties, multi-family (distressed or value-add).

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Terms:

- Loan Size: $3M - $40M

- Loan Terms: 6 - 72 months

- Interest Rate: 10% fixed (interest-only)

- Origination Fee: 1.5% - 5%

- LTV: Up to 90%

- DSCR: 1.15x minimum post-rehab

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Construction Loans

Build from the ground up with fast private loans for new commercial projects.

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Asset Types:

Office towers, retail complexes, industrial facilities, multi-family buildings.

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Terms:

- Loan Size: $5M - $100M

- Loan Terms: 12 - 72 months

- Interest Rate: 10.5% fixed (interest reserve available)

- Origination Fee: 1% - 3%

- LTV: Up to 80%

- DSCR: N/A during construction; 1.25x post-stabilization

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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ms & Terms

Condo Conversion & Development

Convert or develop commercial properties into condos with flexible private financing.

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Asset Types:

Office buildings, warehouses, hotels (for conversion); vacant land (for development).

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Terms:

- Loan Size: $5M - $100M

- Loan Terms: 12 - 72 months

- Interest Rate: 10% fixed (interest-only during development)

- Origination Fee: 1.5% - 3%

- LTV: Up to 80%

- DSCR: N/A during conversion; 1.20x post-stabilization

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Equity Cash-Out

Tap into your property’s equity for growth or reinvestment with fast private lending.

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Asset Types:

Multi-family, retail centers, office buildings, industrial properties (stabilized).

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Terms:

- Loan Size: $3M - $75M

- Loan Terms: 12 - 60 months

- Interest Rate: 9% fixed

- Origination Fee: 1% - 5%

- LTV: Up to 90%

- DSCR: 1.25x minimum

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Our Loan Progra

Land Development & Subdivision

Transform raw land into commercial opportunities with private financing.

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Asset Types:

Vacant land, undeveloped parcels (commercial zoning)

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Terms:

- Loan Size: $5M - $100M

- Loan Terms: 12 - 46 months

- Interest Rate: 10% fixed (interest-only)

- Origination Fee: 1.5% - 3%

- LTV: Up to 80%

- DSCR: N/A until stabilized; 1.25x post-development

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Change of Use

Reposition properties for new purposes with fast, flexible private loans.

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Asset Types:

Retail to office, industrial to mixed-use, office to residential

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Terms:

- Loan Size: $3M - $50M

- Loan Terms: 12 - 36 months

- Interest Rate: 9.5% fixed

- Origination Fee: 1% - 5%

- LTV: Up to 85%

- DSCR: 1.20x minimum post-conversion

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Bridge Loans

Short-term private financing to bridge gaps—perfect for acquisitions or repositioning.

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Asset Types:

Retail, office, industrial, multi-family (transitional or stabilized).

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Terms:

- Loan Size: $5M - $100M

- Loan Terms: 6 - 36 months

- Interest Rate: 9.5% fixed

- Origination Fee: 1% - 3%

- LTV: Up to 85%

- DSCR: 1.10x minimum

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Commercial Acquisition Loans

Secure prime commercial assets with swift private lending tailored to your timeline.

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Asset Types:

Retail centers, office buildings, industrial properties, multi-family

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Terms:

- Loan Size: $3M - $80M

- Loan Terms: 12 - 48 months

- Interest Rate: 9% fixed

- Origination Fee: 1% - 5%

- LTV: Up to 80%

- DSCR: 1.20x minimum

- Recourse: Non-recourse

- Prepayment Penalty: None

- Funding: 8 Days

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Our Private Lending Programs & Terms

Explore our loan options below—all built for commercial real estate nationwide.

Top California Lender

About Us

At Top California Lender, we specialize in providing finance for most prestigious commercial real estate opportunities.

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401 Wilshire Blvd, Santa Monica, CA 90401

‪(424) 209-7164‬

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Disclaimers: Top California Lender is a privately held company headquartered in California, offering nationwide private lending for commercial real estate. All information on this site, including loan terms, funding timelines, and company updates, is provided for informational purposes only and is subject to change without notice. Private lending involves risks, including potential loss of capital, and past performance ($1.3B funded since 2018, 420+ deals) does not guarantee future results. Consult a financial advisor before making investment or borrowing decisions. Loan approvals and funding (e.g., 8-day average in 2025) depend on underwriting, market conditions, and applicant qualifications. Not all applicants will qualify. Contact us at (424) 209-7164 or info@topcalifornialender.com for details. © 2025 Top California Lender. All rights reserved.

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