Commercial Mortgages for Your Business Property
Office, retail, multi-family, and mixed-use properties. Fast approval, competitive rates, flexible terms.
We provide commercial mortgage financing for office buildings, retail properties, multi-family apartments, and mixed-use developments. Whether you're expanding your business or investing in commercial real estate, we have the expertise and flexibility to support your goals.
"It is a great online mortgage lending service. Brentwood Pacific Financial offered competitive rates and easy-to-understand paperwork. Very customer-oriented." — Verified Customer
Commercial Financing Solutions
Whether you're acquiring an office building, financing a multi-family complex, or refinancing commercial real estate, we offer flexible loan structures tailored to your investment timeline and property type. Our underwriting focuses on both income potential and asset value—giving you options traditional banks won't consider.
Loan Types
Permanent Financing
Long-term mortgages for stabilized commercial properties. Fixed or adjustable rates with amortization periods up to 30 years.
Bridge Loans
Short-term capital for acquisitions or transitions. Close fast while you secure long-term financing or complete a property sale.
Refinancing
Lower your rate, extend your term, or unlock equity in existing properties. Flexible underwriting for unique situations.
Portfolio Loans
Specialized financing for unique or non-conforming properties. We evaluate the deal and asset value, not just traditional metrics.
Property Types We Finance
Loan Terms & Structure
Fixed vs. Adjustable Rates
Choose the stability of a fixed rate or the flexibility of an adjustable rate. We explain the trade-offs so you can decide what works for your investment strategy.
Amortization Periods
Typical terms range from 5 to 30 years. Shorter amortizations build equity faster; longer terms reduce monthly payments. We structure terms that align with your cash flow and exit timeline.
Loan-to-Value (LTV) Ratios
We typically finance 65–80% of property value depending on property type, condition, and your experience. Higher LTV options available for strong borrowers and stabilized properties.
Interest-Only Options
For bridge loans and repositioning projects, we offer interest-only periods to maximize cash flow during renovation or lease-up phases.
Our Underwriting Approach
Income-Based Analysis
We evaluate the property's net operating income (NOI), debt service coverage ratio (DSCR), and rental history. Strong income streams support faster approvals and better rates.
Property-Based Evaluation
Location, condition, market demand, and comparable sales drive our valuation. We understand local Orange County markets and can move quickly on competitive deals.
Cash Flow Analysis
We focus on your ability to service the debt. If the property generates solid cash flow, we approve the deal—even if your personal credit isn't perfect.
Fast Turnaround
We respond to inquiries same day and can move to underwriting quickly. In competitive markets, speed matters—we get deals done while you're still negotiating.
Process & Timeline
Inquiry & Pre-Qualification
Contact us with property details and financing goals. We respond same day and discuss loan options, terms, and timeline.
Application & Documentation
Submit property details, financial statements, leases (if applicable), and personal information. We provide a clear checklist and guide you through each step.
Property Appraisal & Underwriting
We order an independent appraisal and analyze the property, NOI, and your ability to service the debt. Typical timeline: 5–10 business days for stabilized properties.
Approval & Closing
Once approved, we prepare loan documents and coordinate closing with your title company. Typical timeline: 10–15 business days from approval to funding.
Why Commercial Investors Choose Brentwood Pacific
- Fast Underwriting: We respond same day and approve qualified deals in days, not weeks. In competitive markets, that's a real advantage.
- Flexible Terms: Portfolio loans, interest-only options, and customized structures for unique properties that traditional banks won't touch.
- Local Expertise: We know Orange County and California commercial real estate. We understand market conditions, comparable values, and investor relationships.
- Deal-Focused Underwriting: We evaluate cash flow and property value—not just credit scores. If the deal makes sense, we approve it.
- Long-Term Relationships: We partner with investors for repeat deals, not one-time transactions. Your success is our success.
Ready to Finance Your Commercial Property?
Contact us today for a free property consultation. We'll review your deal, discuss loan options, and get you moving toward approval.
Schedule Your ConsultationWhy Choose Brentwood Pacific for Commercial Financing
We bring specialized expertise, fast underwriting, and a deep understanding of Orange County's commercial real estate market. Here's what sets us apart.
Specialized Commercial Lending Expertise
We've financed office buildings, retail properties, multi-family apartments, and mixed-use developments throughout Orange County and California. Our track record speaks to our ability to structure complex commercial deals that big banks overlook.
Fast Underwriting & Flexible Terms
We respond same day to inquiries and can approve qualified commercial loans in days, not weeks. Our flexible terms accommodate the unique needs of each property and investor—because no two deals are exactly alike.
Portfolio Loans for Unique Properties
When conventional lenders say no to unconventional properties, we say yes. Our portfolio lending approach means we can finance properties that don't fit traditional lending boxes—from niche commercial uses to mixed-asset developments.
Local Orange County Market Knowledge
We understand Orange County's commercial real estate landscape—market trends, property values, investor relationships, and local regulations. This local expertise translates to faster approvals and better terms for your deal.
"It is a great online mortgage lending service. I came across the Brentwood Pacific Financial company while doing my research, and they offered me a competitive rate and easy-to-understand paperwork. The company is very customer-oriented, which is fantastic."
Verified Customer
Ready to finance your commercial property with a lender who understands your deal? Let's talk.
Schedule Your Property ConsultationReady to Grow Your Commercial Real Estate Portfolio?
Contact us today for a free property consultation. We work with investors and business owners to finance commercial properties fast.
5/5 stars from 28+ verified customers
"Great online mortgage lending service with competitive rates and easy-to-understand paperwork." — Verified Customer
We serve investors and business owners throughout Orange County and California. Fast underwriting, flexible terms, and expert guidance — that's our commitment.