Construction Financing

Construction Loans in Bakersfield, CA

Bakersfield is the commercial center of Kern County, the most productive oil-producing county in California and one of the top agricultural counties in the nation. The CRE economy is shaped by the energy sector (Chevron, California Resources Corporation, Aera Energy), agriculture (Grimmway Farms, Bolthouse Farms, Wonderful Company), aerospace and defense exposure to nearby Edwards Air Force Base and the Mojave Air and Space Port, and an expanding logistics base along SR-99 and Interstate 5. Healthcare anchors include Bakersfield Memorial Hospital, Adventist Health, and Kern Medical. Multifamily fundamentals benefit from California's persistent housing shortage and the Central Valley's relative affordability versus coastal markets.

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Construction Loan Details

Construction Financing for Bakersfield Commercial Properties

CLS CRE provides construction loans for commercial real estate investors in the Bakersfield market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Bakersfield properties.

Loan Amount
$1M - $100M+
Term
12 - 36 Months
Rates
6.23% - 13.04%
Ltc
Up to 85% LTC
Structure
Interest-Only, Progressive Draws
Recourse
Recourse Typical, Non-Recourse Available
Track Record

Construction Deals Near Bakersfield

Selected construction transactions in and around the Bakersfield market.

Single Tenant Net Lease - Fairfield, CA
Construction
$43,900,000
Single Tenant Net Lease
Fairfield, CA
Build-to-suit construction for a national credit tenant in Fairfield, combining development returns with investment-grade lease security.
Single Tenant Net Lease - Inglewood, CA
Construction
$43,400,000
Single Tenant Net Lease
Inglewood, CA
Major build-to-suit construction near SoFi Stadium in Inglewood, one of LA's most dynamic development corridors.
Multifamily Apartments - Riverside, CA
Construction
$32,000,000
Multifamily Apartments
Riverside, CA
Construction financing for a 160-unit workforce housing development near UC Riverside, addressing severe housing undersupply in the Inland Empire where population growth continues to outpace new residential construction.
250,000 SF Ground Up - Sacramento, CA
Construction
$18,750,000
250,000 SF Ground Up
Sacramento, CA
Ground-up construction of a 250,000 SF industrial warehouse in Sacramento's expanding logistics and distribution market.
55-Unit Ground Up - Orange County, CA
Construction
$18,000,000
55-Unit Ground Up
Orange County, CA
55-unit multifamily ground-up construction in Orange County, targeting high demand for new Class A rental product.
Multitenant Retail - Palm Springs, CA
Construction
$15,000,000
Multitenant Retail
Palm Springs, CA
New multi-tenant retail center construction in the Palm Springs resort market, capitalizing on tourism-driven demand.

Other Financing in Bakersfield

Permanent Loans
Bakersfield, CA
Bridge Loans
Bakersfield, CA
SBA Loans
Bakersfield, CA
Mezzanine & Preferred Equity
Bakersfield, CA
Specialty Financing
Bakersfield, CA
Agency Loans
Bakersfield, CA
HUD/FHA Multifamily Loans
Bakersfield, CA
CMBS Loans
Bakersfield, CA
Life Company Loans
Bakersfield, CA

Property Types in Bakersfield

Explore financing by property type in the Bakersfield market.

Multifamily
Bakersfield, CA
Industrial
Bakersfield, CA
Retail
Bakersfield, CA
Office
Bakersfield, CA
Mixed-Use
Bakersfield, CA
Hospitality
Bakersfield, CA
Self-Storage
Bakersfield, CA
Data Centers
Bakersfield, CA
Senior Living
Bakersfield, CA
Medical Office
Bakersfield, CA

Construction Loans in Other Cities

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FAQ

Construction Loans in Bakersfield FAQ

The best commercial lenders in Bakersfield depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive construction loans financing for your Bakersfield property. Contact us for a customized lender recommendation.
Current construction loans rates in Bakersfield range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the Bakersfield market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Bakersfield typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in Bakersfield offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the Bakersfield market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.

Get Construction Financing in Bakersfield

Contact Commercial Lending Solutions for a free, no-obligation construction loan quote for your Bakersfield commercial property.

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Or call us: 310.758.4042

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