Commercial Financing
Financing solutions for business owners and real estate investors looking to purchase or refinance commercial properties throughout Southern California.
Property Types We Finance
- Office buildings and professional suites
- Retail storefronts and shopping centers
- Industrial and warehouse properties
- Multi-family apartment buildings (5+ units)
- Mixed-use residential and commercial properties
- Special-use properties — churches, schools, and more
Why Choose Sanlor Financial for Commercial?
Competitive Rates
We shop multiple commercial lenders to find the most competitive rates and terms for your property type and financial profile.
Flexible Structures
Fixed and adjustable rate options, interest-only periods, and balloon payment structures to match your investment strategy.
Purchase & Refinance
Whether you are acquiring a new commercial property or refinancing an existing one, we have programs to fit your needs.
Experienced Team
Lori and the Sanlor Financial team have deep experience in Southern California commercial real estate financing.
Multi-Family Loans
Apartment buildings with 5 or more units qualify for commercial financing with favorable terms for experienced investors.
Fast Processing
We work efficiently to get your commercial loan approved and closed so you can move forward with your investment.
What Lenders Look For
- Strong property cash flow and debt service coverage ratio (DSCR)
- Typically 20%–30% down payment or equity
- Business financials and tax returns (2 years)
- Personal financial statement and credit history
- Property appraisal by a certified commercial appraiser
- Environmental assessment may be required
Frequently Asked Questions
What is the minimum down payment for a commercial loan?
Most commercial loans require 20%–30% down. The exact amount depends on the property type, your financial strength, and the lender program.
What is a DSCR and why does it matter?
Debt Service Coverage Ratio (DSCR) measures whether the property's income covers the loan payments. Lenders typically require a DSCR of 1.25 or higher, meaning the property earns 25% more than the loan costs.
Can I get a commercial loan as an individual, not a business?
Yes — many commercial loans are made to individuals or LLCs. We can discuss the best ownership structure for your situation.
How long does commercial loan approval take?
Commercial loans typically take 45–90 days to close due to the additional underwriting involved. Starting the process early is key.
Let's Talk About Your Commercial Property
Call Lori today at 909 224 8307 to discuss your commercial financing needs.