Choose from our comprehensive suite of commercial loan programs designed to meet your specific needs.
Helping Businesses and Investors Fund Their Next Project
Loan amounts from $1M – $100M+
Fast approvals & funding tailored to local real estate markets
Competitive rates & flexible terms
Financing for multifamily, office, industrial, retail, and mixed-use properties
Loans Funded
Support
Days to Close
| Feature | Nelson Funding | Traditional Banks |
|---|---|---|
| Approval Time | As fast as 7-14 days | 30-90 days |
| Loan Amounts | $1M – $100M+ | Limited based on collateral |
| Loan Terms | Flexible, tailored to project needs | Strict, long application process |
| Property Types | Multifamily, mixed-use, industrial, retail, office, hospitality | Mostly residential & standard commercial |
demand increase in multifamily & industrial properties in California
Increase in business applications.
Businesses in California can access a variety of commercial loans, including construction loans for new developments, bridge loans for short-term financing needs, and permanent financing for stabilized properties or long-term investments. Lenders like Nelson Funding also offer flexible options tailored to real estate investors, developers, and business owners. Additionally, California-specific programs, such as those tied to the California Competes Tax Credit, may complement loans by offsetting costs for qualifying businesses.
California’s high tax rates—such as the 8.84% corporate income tax and up to 13.3% individual income tax—don’t directly alter loan terms like interest rates or repayment periods, which are set by lenders based on creditworthiness, collateral, and market conditions. However, these taxes can reduce a business’s cash flow, making it harder to qualify for larger loans or meet repayment schedules. Lenders may scrutinize financials more closely in this high-cost environment, so strong revenue projections are key.
Yes, California offers programs that can pair with commercial loans to boost business growth. For example, the California Infrastructure and Economic Development Bank (IBank) provides low-interest loans and loan guarantees for small businesses and infrastructure projects. Additionally, the state’s R&D Tax Credit (15-24%) can free up capital, indirectly supporting loan repayment. Local lenders may also align financing with these incentives, especially for industries like tech, film, or green energy.
Businesses should factor in California’s competitive real estate market and high operational costs. Lenders often require detailed plans showing how the loan will generate returns—whether through property development, business expansion, or asset stabilization. A strong credit score, solid collateral (like California real estate), and a clear repayment strategy are critical, especially given the state’s economic volatility and regulatory complexity. Working with a lender familiar with California’s market, like one based in the state, can streamline the process.
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Member of leading industry associations
In Commercial Real Estate Loans
Nelson Funding LLC makes no guarantee to place your loan. Actual interest rate depends on the strength of the deal. Actual time to close varies on loan specifications. Nelson Funding does not act as a residential mortgage broker. Rate and time to close can change without notice.
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