Mailing Address:
222 Main St Suite 500,
Salt Lake City, UT 84101
Phone:
801-845-0092
Last Updated: February 6, 2026
Nelson Funding provides construction loans, bridge financing, and permanent financing for commercial real estate projects across California. We work with developers, investors, and business owners in Los Angeles, San Francisco, San Diego, San Jose, and throughout the state.
Financing commercial real estate in California requires understanding local market dynamics and having access to flexible capital. Whether you’re building in Greater Los Angeles, acquiring property in San Francisco, or repositioning assets in Bakersfield, you need a lender who can structure terms around your project timeline.
Ground-up construction financing
Ground-up construction financing for new commercial developments across California. We fund multifamily apartments, industrial warehouses, retail centers, office buildings, and mixed-use projects. Our construction loans include flexible draw schedules, interest-only payments during construction, and loan amounts from $2 million to over $100 million. Common projects include developments in Los Angeles and San Diego, industrial facilities in San Francisco Bay Area, and commercial buildings in Riverside. We finance deals throughout California including markets where banks require local branch relationships.
Short-term financing
Short-term financing for acquisitions, stabilization, and value-add improvements. Bridge loans solve timing problems. Close an acquisition in three weeks. Fund property improvements while you stabilize occupancy. Fill the gap between construction completion and permanent financing eligibility. Terms range from 12 to 36 months with interest-only payments and flexible prepayment options. Common uses include lease-up financing, value-add renovations, tenant improvements, and fast-close acquisitions.
Long-term fixed-rate financing
Long-term fixed-rate financing for stabilized income-producing properties. Once your property is leased and operating, permanent financing locks in long-term debt at predictable rates. We arrange permanent loans for multifamily, office, retail, industrial, and mixed-use properties with proven cash flow. Terms range from 5 to 30 years with competitive fixed rates.
We work with experienced investors and developers throughout California
We provide financing that traditional banks cannot provide, tailored to the unique needs of the California market.
Initial loan feedback within 48 hours. Close transactions in 7 to 14 days when documentation is ready.
Loans from $1 million to $100M+ customized to your project timeline and cash flow requirements.
Multifamily, industrial, office, retail, hospitality, mixed-use, and specialty commercial properties.
We finance projects in Los Angeles, San Francisco, San Diego, and throughout California including secondary markets.
Traditional banks use committee approvals and conservative underwriting. We make decisions quickly and structure loans around project economics and sponsor experience.
| Feature | Nelson Funding | California Banks |
|---|---|---|
| Approval Time | 7 to 14 days | 45 to 90 days |
| Loan Amounts | $1M to $100M+ | Limited by branch caps |
| Loan Terms | Customized to project | Standardized products |
| Property Types | All commercial asset classes | Basic commercial only |
| Markets Served | Statewide including rural areas | Require local presence |
Diverse sectors driving activity
Los Angeles and San Francisco anchor California's commercial real estate activity with diverse property sectors and institutional investment.
Inland Empire logistics hub and Port of Los Angeles drive demand for industrial and logistics properties. Multifamily development remains active in Greater Los Angeles.
Markets like Bakersfield, Riverside, and Stockton offer value-add opportunities and lower barriers to entry for experienced developers.
See Our Recently Funded Commercial Loans
Nelson Funding recently closed a $10,269,000 construction loan to build out a 17-home single-family subdivision in Roseville, California. One loan...
View Deal: Nelson Funding Closes $10,269,000 Construction Loan for a 17-Home Subdivision in Roseville, CA
Nelson Funding recently closed a $619,500 construction loan for a ground-up luxury single-family home in Waxhaw, North Carolina. The loan is at 85...
View Deal: Nelson Funding Closes $619,500 Construction Loan for a Luxury Home in Waxhaw, NC
Nelson Funding recently closed a $3,605,000 construction loan for eight new luxury townhomes in Bellingham, Washington. We funded 100% of the proj...
View Deal: Nelson Funding Closes $3,605,000 Construction Loan for an 8-Unit Townhome Project in Bellingham, WAWhat’s Driving Real Estate Growth in California
We finance multifamily apartments, office buildings, industrial warehouses, retail centers, hospitality properties, and mixed-use developments. Each project gets evaluated based on location, sponsor experience, and market fundamentals rather than rigid property type restrictions.
We provide initial feedback within 48 hours and issue loan commitments within 7 to 14 days. Actual closing depends on title work, appraisals, and legal documentation, but we prioritize speed when you need fast execution.
Yes. We finance projects throughout California including Bakersfield, Riverside, Stockton, and other secondary markets. We evaluate each project on its specific merits rather than only lending in Los Angeles and San Francisco.
Yes. Construction loans are central to what we do. Our construction program includes interest reserves, flexible draw schedules matching contractor payment applications, and the ability to finance complex projects with phased timelines.
Banks require 45 to 90 days for approvals, offer standardized products, and limit loan amounts. We make decisions in 7 to 14 days, customize terms to project needs, and finance deals that don't fit traditional underwriting boxes.
Whether you're developing multifamily in Los Angeles, acquiring industrial property in San Francisco Bay Area, or repositioning commercial assets in San Diego, we can structure financing for your project.